Affordable Housing Resources


Final draft of the 2023 Housing needs assessment

Housing Needs Assessment Power Point

Resources for People


  • Action, Inc.   

406-533-6855      800-382-1325

Whether you are homeless or having trouble paying your rent, Action Inc. can help you find the help you need to get yourself into a more stable housing environment. From emergency rent assistance to longer-term apartment options, we can help you get back into a safer living situation. We also help with low-income energy and heating assistance.

  • Federal Veterans Affairs Home Loans

VA helps Servicemembers, Veterans, and eligible surviving spouses become homeowners. As part of our mission to serve you, we provide a home loan guaranty benefit and other housing-related programs to help you buy, build, repair, retain, or adapt a home for your own personal occupancy.

VA Home Loans are provided by private lenders, such as banks and mortgage companies. VA guarantees a portion of the loan, enabling the lender to provide you with more favorable terms.


  • FHA - Federal Housing Administration

Information and resources for FHA loans, housing for seniors, housing for people with disabilities, rental assistance for low and very low income households and housing counseling.


  • Habitat for Humanity


Home ownership program.  Home repair program.  Currently accepting applications for Partner Families in the Ennis area.

  • HomeNow

Down payment assistance for Montana homebuyers.  Do not have to be a first time home buyer.


  • Home$tart

Eligible households may receive up to $7,500 in down payment and closing cost assistance. 


  • HUD Resources for people facing eviction


  • Montana Emergency Rental Assistance Program


The Montana Emergency Rental Assistance program is now available for Montanans who have lost household income as a direct or indirect result of the COVID-19 pandemic and are at risk of housing instability.  Renters can receive a monthly maximum of $2,200 for past due and future rent payments, up to $300 for past due and future utilities including gas and electric, and $50 per month for internet. Households can receive assistance for rent and utility bills dating back to April 1, 2020.


  • Montana Homebuyers Down Payment Assistance Program

It is common that first-time homebuyers can afford a monthly mortgage payment, but find it challenging to save enough money for down payment and closing costs. Montana Housing down payment assistance programs can reduce the amount of up-front cash needed to purchase a home.


  • Montana Housing Home Loan Program

Regular Bond Program is a 30 year, low-interest rate loan and is geared toward first-time homebuyers when their income and purchase price is below the posted limits. This program has income limits based on all members of the household 18 and older. The home can be located anywhere in Montana and includes single-family homes, condos and manufactured homes. To be eligible for Montana Housing programs, a homebuyer must first qualify for an FHA, VA, RD or HUD-184 first mortgage loan.


  • Montana Veterans Home Loan Program

Montana Veterans’ Home Loan Program provides first mortgage funds to Montana residents serving or who have served in the military through the federal armed services and the Montana National Guard


  • NeighborWorks LIFT Program


Down payment assistance loans.  Not limited to first time home buyers.


  • NeighborWorks Montana


Provides housing education, home loans and assistance accessing the Montana Emergency Rental Assistance


  • USDA Rural Development Loan Program

Loan funds may be used to help low-income individuals or households purchase homes in rural areas. Funds can be used to build, repair, renovate or relocate a home, or to purchase and prepare sites, including providing water and sewage facilities.


Resources for Developers, Non Profits and Governments


  • Community Development Block Grants (CDGB) for Housing


Montana's CDBG Housing grants help local governments fund new construction or rehabilitation of single-family or multi-family housing projects that benefit low- to moderate-income (LMI) Montanans, i.e. households earning less than 80% of the area median income. CDBG offers two distinct types of housing grants, the annual CDBG Competitive Housing grant and the open, CDBG Noncompetitive Housing grant.


  • Headwaters RC&D


Non-profit focused on improving the economic and social well-being of the Southwest Montana region through conservation, development and proper use of natural and human resources.


  • Housing Tax Credits and Loans


The Montana Board of Housing offers financing options for the development of affordable multifamily rental homes.    This includes low income housing tax credits (LIHTC), loans to develop affordable multifamily rental homes and other funding sources for multifamily housing.


  • NeighborWorks Montana


Provides loans on projects for pre-development, land or building acquisition, bridge funds for equity and other structures crafted to serve the needs of housing development partners.  Can leverage grant funds with loans from numerous sources and offers financing to help housing developers complete their financing packages.


  • Northern Rocky Mountain Economic Development District


Offers a variety of economic and community development services, small business technical assistance including start up and planning, grant writing and administration, and business recruitment and retention.


  • Trust Montana


Trust Montana is a statewide community land trust working to build up a permanently affordable stock of agricultural properties, commercial spaces and quality homes for Montanans.