FHA
Active
15$379,000$184,436 down
- Rate
- 3.02%
7.28%today- Payment
- $925/mo
$1,497today
- 3beds
- 2baths
- 1,620sqft
Montana · Statewide
Assumable homes for salein Montana.
230 homes in Montana carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.20%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Montana assumable market
by the numbers.
230active assumable listings
2.20%lowest locked rate
$540kmedian list price
$655saved per month vs. 7.2%
Across Montana
Assumable homesby Montana city.
Ranked by live assumable inventory. Every city is its own market page with local listings, rates, ZIP codes, and cash-to-assume figures.
Search all of Montana on the map- 01Kalispell3535 assumable homes · median 4.92%
- 02Great Falls2121 assumable homes · median 6.36%
- 03Helena2020 assumable homes · median 3.80%
- 04Missoula1414 assumable homes · median 4.21%
- 05Butte1313 assumable homes · median 6.50%
- 06Florence77 assumable homes · median 4.63%
- 07Libby77 assumable homes · median 4.05%
- 08Polson77 assumable homes · median 3.77%
- 09Stevensville77 assumable homes · median 4.60%
- 10Bigfork66 assumable homes · median 3.33%
- 11Cut Bank55 assumable homes · median 6.50%
- 12Hamilton55 assumable homes · median 4.46%
- 13Darby44 assumable homes · median 5.79%
- 14Plains44 assumable homes · median 6.38%
- 15Superior44 assumable homes · median 4.64%
- 16Troy44 assumable homes · median 5.20%
- 17Billings33 assumable homes · median 3.80%
- 18Kila33 assumable homes · median 6.01%
- 19Shelby33 assumable homes · median 3.90%
- 20Townsend33 assumable homes · median 3.06%
- 21Arlee22 assumable homes · median 4.78%
- 22Bonner22 assumable homes · median 3.84%
- 23Columbia Falls22 assumable homes · median 5.55%
- 24Eureka22 assumable homes · median 2.52%
- 25Huson22 assumable homes · median 4.57%
- 26Livingston22 assumable homes · median 3.87%
- 27Marion22 assumable homes · median 4.79%
- 28Philipsburg22 assumable homes · median 6.96%
- 29Three Forks22 assumable homes · median 5.00%
- 30White Sulphur Springs22 assumable homes · median 3.00%
- 31Whitefish22 assumable homes · median 3.25%
- 32Whitehall22 assumable homes · median 3.08%
- 33Alberton11 assumable home · median 3.69%
- 34Anaconda11 assumable home · median 5.10%
- 35Augusta11 assumable home · median 6.67%
- 36Basin11 assumable home · median 3.02%
- 37Belt11 assumable home · median 2.50%
- 38Big Timber11 assumable home · median 2.96%
- 39Charlo11 assumable home · median 3.46%
- 40Clancy11 assumable home · median 6.95%
- 41Clinton11 assumable home · median 6.15%
- 42Conrad11 assumable home · median 6.43%
- 43Corvallis11 assumable home · median 2.70%
- 44De Borgia11 assumable home · median 2.81%
- 45Dillon11 assumable home · median 7.04%
- 46East Helena11 assumable home · median 5.41%
- 47Fort Shaw11 assumable home · median 3.85%
- 48Frenchtown11 assumable home · median 3.31%
- 49Hardin11 assumable home · median 5.97%
- 50Hot Springs11 assumable home · median 6.09%
- 51Jefferson City11 assumable home · median 6.76%
- 52Lincoln11 assumable home · median 4.28%
- 53Lolo11 assumable home · median 3.01%
- 54Martin City11 assumable home · median 3.69%
- 55Noxon11 assumable home · median 3.50%
- 56Rexford11 assumable home · median 5.84%
- 57Ronan11 assumable home · median 6.85%
- 58Seeley Lake11 assumable home · median 3.19%
- 59Shepherd11 assumable home · median 6.50%
- 60Simms11 assumable home · median 3.02%
- 61Somers11 assumable home · median 3.91%
- 62Trout Creek11 assumable home · median 4.87%
Also covered in Montana, no verified assumable listings today:
- Alder
- Antelope
- Avon
- Babb
- Bainville
- Baker
- Ballantine
- Bearcreek
- Belfry
- Belgrade
- Big Arm
- Big Sandy
- Big Sky
- Black Eagle
- Boulder
- Bozeman
- Brady
- Bridger
- Broadus
- Broadview
- Brockton
- Browning
- Bynum
- Cameron
- Canyon Creek
- Cardwell
- Carter
- Cascade
- Chester
- Chinook
- Choteau
- Clyde Park
- Colstrip
- Columbus
- Condon
- Conner
- Cooke City
- Coram
- Culbertson
- Dayton
- Deer Lodge
- Denton
- Divide
- Dixon
- Drummond
- Dupuyer
- Dutton
- East Glacier Park
- Edgar
- Ekalaka
- Elliston
- Elmo
- Emigrant
- Ennis
- Essex
- Fairfield
- Fairview
- Fishtail
- Forest Grove
- Forsyth
- Fort Benton
- Fortine
- Froid
- Fromberg
- Gallatin Gateway
- Gardiner
- Garrison
- Geraldine
- Geyser
- Gildford
- Glasgow
- Glendive
- Gold Creek
- Greenough
- Hall
- Harlem
- Harlowton
- Harrison
- Haugan
- Havre
- Helmville
- Heron
- Highwood
- Hingham
- Hinsdale
- Hobson
- Hungry Horse
- Huntley
- Hysham
- Inverness
- Joliet
- Joplin
- Jordan
- Kevin
- Lakeside
- Lambert
- Laurel
- Lavina
- Lewistown
- Lima
- Loma
- Lonepine
- Malta
- Manhattan
- Martinsdale
- Marysville
- McAllister
- McLeod
- Medicine Lake
- Melrose
- Melstone
- Miles City
- Milltown
- Molt
- Monarch
- Moore
- Mosby
- Musselshell
- Nashua
- Neihart
- Niarada
- Norris
- Nye
- Oilmont
- Olney
- Outlook
- Ovando
- Pablo
- Paradise
- Park City
- Plentywood
- Polaris
- Polebridge
- Pony
- Power
- Pray
- Proctor
- Radersburg
- Ramsay
- Rapelje
- Ravalli
- Raynesford
- Red Lodge
- Reed Point
- Reserve
- Richey
- Ringling
- Roberts
- Rollins
- Roscoe
- Roundup
- Roy
- Rudyard
- Ryegate
- Saco
- Saltese
- Sand Coulee
- Savage
- Scobey
- Shawmut
- Sidney
- Silver Star
- St. Ignatius
- St. Regis
- Stanford
- Stockett
- Sula
- Sun River
- Sunburst
- Sweet Grass
- Terry
- Thompson Falls
- Toston
- Trego
- Twin Bridges
- Two Dot
- Ulm
- Valier
- Vaughn
- Victor
- Virginia City
- West Glacier
- West Yellowstone
- Westby
- Wibaux
- Wilsall
- Winnett
- Winston
- Wisdom
- Wise River
- Wolf Creek
- Wolf Point
- Worden
About the market
Assumable mortgagesin Montana, explained.
Every number on this page comes from the live MLS feeds UMe indexes across Montana. Updated October 2026.
How assumptions work for buyersMontana has 230 homes for sale with an assumable mortgage as of October 2026: 143 VA loans and 87 FHA loans that a qualified buyer can take over at the seller's existing rate instead of financing at today's roughly 7.2%. Rates on active Montana assumable listings start at 2.20% with a median of 4.46%; 100 listings are under 4% and 127 are under 5%.
The median assumable home in Montana lists for $539,999, with a median of $216,261 in cash to assume, the gap between the price and the remaining loan balance. At the median assumable rate the principal-and-interest payment is about $1,546 a month versus $2,201 for the same balance at today's rate, roughly $655 kept every month and $7,865 a year. The deepest Montana inventory is in Kalispell (35), Great Falls (21), Helena (20), Missoula (14), and Butte (13).
UMe confirms the balance, rate, and assumability of each listing with the listing agent before marking it Certified. FHA, VA, and USDA loans are assumable by law, and you do not need to be a veteran to assume a VA loan. Once you are under contract, the loan servicer underwrites you rather than a new lender; most Montana assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified across Montana
View all 230 on the map Homes on the marketacross Montana.
FHA
Active
12$420,000$299,491 down
- Rate
- 3.80%
7.28%today- Payment
- $842/mo
$1,236today
- 3beds
- 2baths
- 2,236sqft
1206 Matador Avenue, Billings
FHA
Active
76$390,000$41,698 down
- Rate
- 6.65%
7.28%today- Payment
- $2,269/mo
$2,419today
- 4beds
- 2baths
- 2,120sqft
2403 Wyoming Avenue, Billings
VA
Active
9$550,000$173,883 down
- Rate
- 6.50%
7.28%today- Payment
- $2,402/mo
$2,600today
- 3beds
- 1baths
- 1,814sqft
5213 Shepherd Acton Road, Shepherd
FHA
Active
15$250,000$207,840 down
- Rate
- 5.97%
7.28%today- Payment
- $401/mo
$459today
- 3beds
- 2baths
- 1,456sqft
116 Crawford Avenue, Hardin
Live MLS collection. Loan balances, payment estimates, and cash-to-assume amounts update with the source listing. Taxes, insurance, HOA, closing costs, and secondary financing may change the final monthly payment.
Inventory snapshot
What’s in the mixin Montana.
Live counts from the MLS feeds we index for Montana. Updated October 2026.
- Active listings
- 230
- UMe Certified / verified
- 0
- Lowest rate
- 2.20%
- Median rate
- 4.46%
- Median list price
- $539,999
- Median cash to assume
- $216,261
Montana listings by locked rate
- Under 4%100 homes
- 4% – 5%27 homes
- 5% – 6%12 homes
- 6% and up90 homes
Montana listings by loan type
- VA143 homesmedian 3.97%
- FHA87 homesmedian 5.75%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
Run the Montana numbers
What an assumable ratedoes to a Montana payment.
The sliders start at the median Montana assumable listing: $539,999 list price and a 4.46% existing rate. We compare the payment you would take over against financing the same balance with a new loan at today’s 7.20%. Principal and interest only; taxes, insurance, and HOA dues are the same either way.
The gap between price and balance is the seller’s equity: your cash to assume, or what a second loan can help cover.
Cash to assume (seller’s equity)$215,000
40% of the price. Eligible buyers can start with as little as 5% down using a second loan for the rest.
Your monthly payment if you assume in Montana
$1,760/mo
New loan at 7.20%$2,206
Assumed at 4.45%
$1,760
Every month$446
Over five years$26,782
Interest you never pay$245,15926-year assumed loan vs. a new 30-year loan
Estimates for illustration. The real numbers depend on the loan, the servicer, and your qualification; every Montana listing on UMe shows the actual balance, rate, and payment.
How it works in Montana
How to assumea mortgage in Montana.
You’re not applying for a new mortgage. You’re stepping into one that already exists, at the rate it was written. Four steps, and UMe owns the hard one.
Start with pre-qualification- 01
Find a Montana home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Montana map by existing rate, monthly payment, or cash to assume instead of by list price alone.
- 02
Cover the seller’s equity.
You pay the seller the difference between the price and the remaining balance, a median of $216,261 in Montana today. Cash, a second loan, or seller financing can bridge it.
- 03
Qualify with the servicer, not a new lender.
The current loan servicer reviews your credit, income, and debt just like a lender would. UMe prepares the file, works the servicer directly, and chases every follow-up so the 45-to-90-day timeline holds.
- 04
Close and keep the rate.
The seller’s balance, rate, and remaining term become yours. No points, no origination fee, no reset to 30 years, and a Montana payment written in a different decade.
Montana questions
Assuming a mortgagein Montana.
The numbers below come from current Montana inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Montana?
As of October 2026, UMe tracks 230 active assumable listings in Montana. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Montana?
Current Montana inventory breaks down as VA (143, median 3.97%) and FHA (87, median 5.75%). FHA, VA, and USDA mortgages are assumable by law, which is why they make up nearly all assumable listings. Conventional loans usually carry a due-on-sale clause and cannot be assumed. You do not need to be a veteran to assume a VA loan, though the seller's entitlement stays tied up unless you substitute your own.
What is the lowest assumable mortgage rate in Montana?
The lowest rate on an active Montana assumable listing is 2.20%, and the median across all 230 listings is 4.46%. 100 listings are under 4% and 127 are under 5%, compared with roughly 7.2% for a new 30-year loan today.
How much can I save with a mortgage assumption in Montana?
Across current Montana listings, the median principal-and-interest payment on the assumable loan is $1,546 per month versus $2,201 for the same balance at today's rates, a difference of about $655 every month, or $7,865 a year. The savings compound because you also keep the seller's remaining term instead of restarting a 30-year clock.
How much money do I need to assume a home in Montana?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Montana that gap is currently a median of $216,261 on a median list price of $539,999. Buyers cover it with cash, a second mortgage, or seller financing; UMe can connect you with lenders who write gap loans behind an assumption.
Which Montana cities have the most assumable homes?
The deepest assumable inventory in Montana is in Kalispell (35), Great Falls (21), Helena (20), Missoula (14), and Butte (13). Each city has its own page with live counts, rates, and neighborhoods, and the Montana map lets you search the whole state at once.
How long does a mortgage assumption take in Montana?
Most FHA and VA assumptions close in 45 to 90 days. The loan servicer, not a new lender, underwrites you, and servicer turnaround is the main variable. UMe tracks the file with the servicer and the listing agent so nothing stalls, and every listing shows whether the assumption has already been confirmed with the seller's side.
Ready when you are
Stop overpaying for Montana.The rate is already on the house.
Every listing on the Montana map has a rate you can take over. Start with the cities holding the deepest inventory, get pre-qualified in minutes, and let UMe carry the assumption to closing.
