If you're buying in the greater Billings area, there are a couple of programs that offer downpayment assistance.
When referring to downpayment assistance, some programs offer financial assistance that pays for a portion or all of a buyer's downpayment and associated closing costs, in the form of a loan.
Other programs offer financial assistance in the form of a grant, or money that does not need to be paid back.
Take a look at the local programs that are offered.
Montana Board of Housing: http://housing.mt.gov/HBDPA
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