Montana Housing First-Time Homebuyer Program

Montana Housing (MHFA)

Available Down Payment

About This Program

Provides forgivable down payment and closing cost assistance loans to first-time homebuyers in Montana. Loan is forgiven after 10 years of primary residence. Must be combined with Montana Housing first mortgage loan product.

Forgivable loan for down payment assistance, forgiven after 10 years

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

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

Key Details

  • Down payment assistance up to $15,000
  • Forgivable loan after 10 years of residency
  • Must use Montana Housing mortgage product
  • Income limits apply by county
  • First-time homebuyer requirement

How to Apply

Get free help applying Visit Official Program Page Track this program

(406) 841-2840

A grant-savvy contractor in Sidney, 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: Ongoing while funds available

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