Do I have to be a first-time buyer for Montana Bond Advantage?

Yes. The program lists a first-time buyer requirement.

Is there an income limit?

Yes. The listed income limit is Per HH size/county.

What credit score does Montana Bond Advantage list?

The listed minimum credit score is 620.

Montana Bond Advantage

Montana Bond Advantage is a silent 2nd 0% deferred from Montana Board of Housing (MBOH). Available statewide in Montana. For first-time buyers. Income limit: Per HH size/county.

Amount varies by program

Listed as open as of May 2026

Available statewide in Montana.

First-time buyer	Required
Income limit	Per HH size/county
Minimum credit score	620
Homebuyer education	Required (HFA-approved (Framework, eHome, NeighborWorks, etc.))
Occupations	Statewide MT
Property types	SFR primary
Occupancy	Owner-occupied primary
Eligible loan products	FHA/VA/USDA/Conv
Sales price cap	Per county
Repayment	0% deferred
Stacking	Layers with MBOH first

Source Montana Board of Housing (MBOH)·official program page·Listed May 2026

Cal has not re-checked this listing recently. Confirm the current terms with the program administrator before relying on them.

Provider: Montana Board of Housing (MBOH) · program details at the provider’s site.

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