Montana · Deferred 0% loan

MBOH Plus 0% Deferred (Montana)

$15,000

Up to 5% of price or $15,000. 0% interest, no monthly payments. Repaid on sale or refinance.

MBOH's Plus 0% Deferred provides $15,000 at 0% interest with no monthly payments — effectively free money for as long as you live in the home. Repayment occurs only upon sale, refinance, or transfer.

Amount$15,000

TypeDeferred 0% loan

Available inMontana

First-time buyer requiredYes

Minimum credit score620

Multi-unit eligibleYes — 1-4 units

House-hack eligible

Same amount as Bond Advantage but with zero payments. Only $1K buyer contribution (can be gifted).

Programs that pair with this

FHA Loan Saves ~$33,000 on a $200K home vs 20% down

Federal · Subsidized loan

VA Loan $0 down + no monthly mortgage insurance

Federal · Federal benefit

NACA Program $0 down + $0 closing + $0 PMI + below-market rate

National · Nonprofit program

MBOH Bond Advantage DPA (Montana) $15,000

Montana · Second mortgage

Montana Veterans Home Loan 1% below market rate for veterans

Montana · Rate discount

Montana MCC 20% of interest = ~$2K/year tax credit

Montana · Annual tax credit

All Montana programs →

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We'll show you how to combine MBOH Plus 0% Deferred (Montana) with other programs to maximize your free money — personalized to your ZIP code and income.

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