FHA Loan Limits in Cascade County, Montana (2026)
From Cascade County, FHA buyers in Cascade County can finance a one-unit home up to $541,287 with 3.5% down in 2026. That matches the national FHA floor used across most of the Mountain West.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $541,287 |
| Two-unit (duplex) | $692,997 |
| Three-unit (triplex) | $837,720 |
| Four-unit (fourplex) | $1,041,072 |
From Cascade County to the edges of Cascade County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Yellowstone and Gallatin Counties.
What can you buy with FHA in Cascade County?
An FHA buyer near Cascade County faces an estimated $472,000 median, a $16,520 down payment, and — after Montana's 0.74% property tax — a monthly cost around $3,470. That suits household income of roughly $134,000, above Montana's $66,341 median household income, so budget carefully.
FHA payment scenarios in Cascade County
FHA payments across Cascade County price points — from entry homes near Cascade County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $340,000 | $11,900 | $2,532 |
| Local median — $472,000 | $16,520 | $3,470 |
| At the FHA limit — $541,287 | $18,945 | $3,962 |
Estimates include FHA MIP plus Montana property taxes and insurance. Rates move daily near Cascade County too — get notified.
First-time buyers make up much of FHA activity in Cascade County and across Cascade County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $16,520 needed on a median Cascade County home.
Multi-unit FHA limits in Cascade County
Cascade County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Cascade County can live in one unit and rent the rest to offset the mortgage.
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Frequently Asked Questions
- What is the FHA loan limit in Cascade County for 2026?
- In Cascade County (Cascade County), the 2026 FHA limit is $541,287 for one unit, $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
- What income do I need to buy in Cascade County with FHA?
- For a median-priced ($472,000) Cascade County home, plan on income around $134,000 at a 31% housing ratio — about $3,470/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Cascade County?
- 3.5% with a 580+ score — roughly $16,520 on a $472,000 Cascade County-area home. Gift funds are allowed.
- Is Cascade County a high-cost FHA area?
- No — Cascade County uses the $541,287 national floor for one unit.