FHA & Conforming Loan Limits 2026: Mesa County, Colorado
Grand Junction area limits. FHA: $498,257 | Conforming: $766,550
📊 2026 Loan Limits at a Glance
| Property Type | FHA Limit | Conforming Limit |
|---|---|---|
| 1-Unit (Single Family) | $498,257 | $766,550 |
| 2-Unit (Duplex) | $637,950 | $981,500 |
| 3-Unit (Triplex) | $771,125 | $1,186,350 |
| 4-Unit (Fourplex) | $958,350 | $1,474,400 |
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Get FHA Pre-Approval →Understanding Mesa County Loan Limits
Mesa County is located on Colorado's Western Slope, with Grand Junction as its largest city. Unlike the Front Range counties (Denver, Boulder, Jefferson), Mesa County uses the baseline FHA loan limitof $498,257 for 2026. This makes homeownership more accessible with FHA financing.
Mesa County vs. Front Range Counties
| County | FHA Limit | Median Home Price |
|---|---|---|
| Mesa County | $498,257 | ~$375,000 |
| Denver County | $816,500 | ~$600,000 |
| Boulder County | $816,500 | ~$750,000 |
| El Paso County | $530,150 | ~$450,000 |
FHA Loan Requirements for Mesa County
- Minimum Credit Score: 580 for 3.5% down payment, 500-579 for 10% down
- Down Payment: 3.5% minimum ($17,439 on a $498,257 home)
- Debt-to-Income Ratio: Up to 43% (some lenders allow 50%)
- Property Location: Must be in Mesa County, CO
- Primary Residence: FHA loans are for primary residences only
Popular Cities in Mesa County
These FHA and conforming loan limits apply to all cities within Mesa County, including:
Why Buy in Mesa County?
- Affordability: Median home prices 40% lower than Denver
- Outdoor Recreation: Colorado National Monument, skiing, hiking
- Growing Economy: Healthcare, energy, tourism sectors
- Wine Country: Colorado's premier wine region in Palisade
- Lower Cost of Living: 15% below Colorado average
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Compare Rates Now →Frequently Asked Questions
What is the FHA loan limit for Mesa County in 2026?
The FHA loan limit for Mesa County, Colorado in 2026 is $498,257 for a single-family home. Mesa County uses the baseline FHA limit, making it more affordable than high-cost Colorado counties.
What is the conforming loan limit for Mesa County in 2026?
The conforming loan limit for Mesa County in 2026 is $766,550 for a single-family home. This is the standard baseline limit set by FHFA for non-high-cost areas.
How do Mesa County limits compare to Denver County?
Mesa County has lower FHA limits ($498,257) compared to Denver County ($816,500) because Mesa County is not a high-cost area. However, this means homes in Mesa County are generally more affordable and within FHA limits.
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Sarah Mitchell
Senior Mortgage Advisor & VA Loan Specialist
Senior Mortgage Advisor with 12+ years specializing in VA loans and first-time buyer programs.