Montana Housing First-Time Homebuyer Program

Montana Board of Housing

Available Down Payment

About This Program

Montana Board of Housing down payment and closing cost assistance for first-time homebuyers. Available as deferred, forgivable second mortgage with no monthly payment, forgivable over 10 years of owner occupancy.

Down payment assistance amount varies by purchase price and income, typical award shown

Official source site checked live on 2026-06-17.

Data last verified 2026-06-09. How we verify our data.

Key Details

  • Down payment and closing cost assistance
  • Forgivable over 10 years of owner occupancy
  • Must be first-time homebuyer or not owned home in 3 years
  • Income limits vary by county and household size
  • Must complete homebuyer education course

How to Apply

Get free help applying Visit Official Program Page Track this program

(406) 841-2840

A grant-savvy contractor in Orchard Homes, MT can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

Your application paperwork

Documents you will likely need

  • Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
  • A government-issued photo ID for every owner on title.
  • Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
  • The program's own application form, completed (use the official link or phone number on this page).
Download this checklist (PDF)

Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.

Deadline: Rolling, subject to funding availability

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