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Montana program

City of Billings First-Time Home Buyer Program

Montana route through City of Billings Community Development Division. This page stays free for the core public facts. Open paid access only when you need the full state board, related paths, and the decision layer around this program.

0% deferred city loan Repay later on trigger 2026-04-21
Agency City of Billings Community Development Division
Support type 0% deferred city loan
Amount highlight Current Billings materials show up to $15,000 for households at or below 60% AMI and up to $10,000 for households from 61% to 80% AMI, structured as a 0% deferred non-forgivable city loan with no monthly payment.
Last verified 2026-04-21

Use carefully

Canonical URL and repayment framing matter

This page stays public because the official structure is still useful, but these details should not be flattened into fake certainty.

Use the current /3353 Billings page plus the 2025 brochure. Older /476 and billingsmt.gov/homebuyer routes now fail. The city publishes trigger-based repayment but no fixed public loan term.

Decision-ready public facts

What stays free on this program page

Quick answer from published facts. Use this first, then jump to Go to Montana program hub if you need the wider state context.

Amount

Current Billings materials show up to $15,000 for households at or below 60% AMI and up to $10,000 for households from 61% to 80% AMI, structured as a 0% deferred non-forgivable city loan with no monthly payment.

Type

0% deferred city loan

Repayment

Billings describes the assistance as a 0% deferred non-forgivable city loan with no monthly payment. Public materials do not publish a fixed lien term. Full repayment is due if the home is sold, title is transferred, the first mortgage is refinanced, the property is rented, or the buyer no longer occupies the home as a primary residence.

First-time buyer

Required

Program guide

What to know before you click through

This is still the free fact layer. Open the official source when a detail affects eligibility, repayment, lender choice, or whether this path should stay on your shortlist.

Who qualifies?

First-time homebuyers, Households up to 80% AMI, Buyers purchasing within Billings city limits

What support do you get?

Current Billings materials show up to $15,000 for households at or below 60% AMI and up to $10,000 for households from 61% to 80% AMI, structured as a 0% deferred non-forgivable city loan with no monthly payment.

Do you repay it?

Billings describes the assistance as a 0% deferred non-forgivable city loan with no monthly payment. Public materials do not publish a fixed lien term. Full repayment is due if the home is sold, title is transferred, the first mortgage is refinanced, the property is rented, or the buyer no longer occupies the home as a primary residence.

How do you apply?

Review the brochure, submit the city application with tax returns and income documents, complete the required 8-hour homebuyer education course, obtain lender pre-approval, and provide the buy-sell agreement plus loan estimate to the city at least 3 to 4 weeks before closing.

Official source evidence

Current Billings materials describe a 0% deferred non-forgivable loan up to $15,000 or $10,000 depending on income, with no monthly payment and repayment due on sale, transfer, refinance, rental, or loss of owner occupancy.

View official source

Last verified

2026-04-21

2026-04-21

Paid preview

What paid access adds for City of Billings First-Time Home Buyer Program

See the shape of the comparison output, risk checks, lender questions, and next-step checklist before you decide whether this program is worth carrying into the paid layer.

Example paid output for this program. The free page stays visible either way.

Comparison preview

City of Billings First-Time Home Buyer Program

Amount: Current Billings materials show up to $15,000 for households at or below 60% AMI and up to $10,000 for households from 61% to 80% AMI, structured as a 0% deferred non-forgivable city loan with no monthly payment.

Repayment: Billings describes the assistance as a 0% deferred non-forgivable city loan with no monthly payment. Public materials do not publish a fixed lien term. Full repayment is due if the home is sold, title is transferred, the first mortgage is refinanced, the property is rented, or the buyer no longer occupies the home as a primary residence.

First-time buyer: Required

Risk checks preview

What gets flagged before you call a lender

  • City of Billings First-Time Home Buyer Program must be paired with a specific first mortgage.
  • City of Billings First-Time Home Buyer Program can trigger repayment on sale or refinance.

Lender questions preview

Questions tied to this exact path

  • Which first-mortgage product must be paired with City of Billings First-Time Home Buyer Program, and what breaks eligibility?
  • Which events trigger repayment for City of Billings First-Time Home Buyer Program: refinance, transfer, non_owner_occupancy?

Action checklist preview

What you would do next

  • Confirm the first-time buyer definition before you apply
  • Review the official Billings first-time homebuyer program page for City of Billings First-Time Home Buyer Program
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Paid research preview

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What unlocks after payment

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city and county programs

City and county down payment or closing-cost programs that never make it into the free statewide layer.

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specialty and conditional paths

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Private workspace

What paid access adds after the free facts

This page stays free for public facts. Paid access turns this program into a shortlist item, a related-path decision layer, risk checks, lender-call prep, and a next-step queue.

If the public facts still look relevant, paid access is where you decide whether this path is stronger than your fallback and what to do next.

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