Montana · Rate discount

Montana Veterans Home Loan

1% below market rate for veterans

Interest rate 1% below market. Funded by Montana Coal Tax Trust Fund. For current/former military.

Montana's Veterans DPA is funded through the Coal Tax Trust Fund — a permanent fund from coal severance taxes. This stable funding source makes Montana's veteran DPA more reliable than programs dependent on annual legislative budgets.

Amount1% below market rate for veterans

TypeRate discount

Available inMontana

First-time buyer requiredNo

Minimum credit score620

Multi-unit eligibleSingle-family only

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

MBOH Plus 0% Deferred (Montana) $15,000

Montana · Deferred 0% loan

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

Montana · Annual tax credit

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