Help to buy in Montana

Home-buying assistance programs in Montana

2 official programs for down payment and closing cost help in Montana, from Montana Board of Housing. We show what each program says on its own page, with the date we checked it.

See the list Which programs might I qualify for?

Three generations of a family gather on the porch of their home.

Verified programs: 2; from Montana Board of Housing
First-time buyers only: 1; 1 does not require it or its page does not say
Accept an ITIN: 0; per their own site · no: 0 · unconfirmed: 2
Last checked: November 5, 2026; against each program’s official page

How to read the list

Not all help is the same

Amounts, limits and funding change: confirm with a participating lender.

Before you compare amounts, look at the kind of help: it changes what you pay later. These are the kinds the programs on this page use.

On ITIN, each card says what the program itself publishes: yes, no, or not confirmed on its site.

Repayable

Second loan with monthly payments
Deferred

Second loan with no payments until you sell or refinance
Tax credit

Federal tax credit (MCC)

The full list

Programs in Montana

Filter by who qualifies, by ITIN or by kind of help. Each card quotes the source and the date we checked it.

Bond Advantage Down Payment Assistance
- Repayable
- Deferred
Montana Board of Housing loan for up to 5% of the price (maximum $15,000) for the down payment, over 15 years with low payments and the same rate as the bond program's first mortgage; there is also a Plus version, 0% and deferred, for lower incomes

What it gives, per the source

Available for up to 5% of sales price, with a maximum of $15,000. … 15-year amortizing loan with low monthly payments. … 0% second loan, no monthly payments. … Due upon transfer or sale of property or when refinancing or paying off the first loan.

First-time buyer?

The source does not say whether you must be a first-time buyer

Accepts ITIN?

Its site does not confirm

Run by Montana Board of Housing (Montana Department of Commerce)

Verified November 5, 2026

See details Official page
Mortgage Credit Certificate (MCC)
- Tax credit
Montana Board of Housing certificate that lets you take 20% of the interest you pay each year on your mortgage off your federal taxes, up to $2,000 a year, while you live in the home; for first-time buyers, with a loan that is not from another Board program

What it gives, per the source

A Mortgage Credit Certificate is a dollar-for-dollar tax credit that reduces the amount of federal income tax paid by a first-time homebuyer. The tax credit is equal to 20% of the mortgage interest paid during the tax year, not to exceed $2,000. Homeowners are eligible for the tax credit every year they occupy the home as their primary residence. … Remember, the MCC is a tax credit – it is not a loan.

First-time buyer?

First-time buyers only

Accepts ITIN?

Its site does not confirm

Run by Montana Board of Housing (Montana Department of Commerce)

Verified November 5, 2026

See details Official page

Programs in other states

Help to repair your home

Repair programs in Montana

One program we checked in Montana to repair your home or make it more efficient, with what its page says.

LIHEAP and Weatherization

Run by Montana Department of Public Health and Human Services (DPHHS)

Montana energy and weatherization help: LIHEAP pays part of the heating bill and can help if the furnace fails; weatherization improves the home

Open, per the source
See details

Get free help applying A HUD-approved counseling agency can go over the requirements with you, free or at low cost. See the agencies

Your county

Price and income limits depend on the county. Your county page has the typical value, the FHA limit and the counseling agencies that can walk you through the application.

Frequently asked questions

What is down payment assistance?

Money from a public or nonprofit program for the down payment or closing costs. It can be a grant you never repay, a second loan forgiven if you stay in the home for some years, a second loan repaid when you sell or refinance, or a tax credit (MCC) that lowers your federal taxes.

Do I need to be a first-time buyer in Montana?

Of the 2 programs on this page, 1 requires it; the rest do not, or their page does not say. In general, “first-time buyer” means not having owned a home in the last three years.

Can I use these programs with an ITIN?

What each program’s own site says: accept an ITIN, 0; do not accept one, 0; not confirmed on its site, 2. Ask the participating lender directly before you start, and ask for it in writing.