Explore the differences! FHA VS Conventional loan programs in Fruitvale, Mesa County, Colorado

In the year 2026, the conventional loan limit for Fruitvale in Mesa, CO, is set at $726,200, whereas the FHA loan limit for a single-family home is $472,030.

Lendersa offers a calculator to assess today's Conventional rates against FHA and USDA, helping determine required income, credit, and other qualifying documents. Our advanced mortgage calculator shows USDA, FHA, and VA loans side by side, assisting decisions about the best program for your finances.

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2026 Loan Limits and Downpayment Details in Fruitvale, Mesa, CO

Loan Type Loan Limit Down Payment
Conventional $726,200 3%
USDA $420,600 0%
FHA $472,030 3.5%

The table applies to zip codes: 81504

Find Conventional and FHA Loan Options in Fruitvale, CO

Lendersa's objective is to effortlessly secure the best loan for you, whether it's a Conventional, USDA, or FHA loan. Choose your starting point to connect with aligned lenders and programs.

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Fruitvale Lenders

  • Rio Grande Federal Credit Union
  • 760 Rood Avenue, Grand Junction, CO, 81501
  • Lends in Colorado
  • Rio Grande Federal Credit Union is a full-service financial institution, proudly serving the daily financial needs of over 4600 members. As a member-owned, not-for-profit company, our earnings go back to members in the form of more favorable rates on loans and credit cards as well as lower fees for banking products and services.

  • Coloramo Federal Credit Union
  • 516 28 Road, Grand Junction, CO, 81501
  • Lends in Colorado
  • Coloramo Federal Credit Union was established on June 8, 1953. Coloramo originally consisted of only eight members who were Colorado Raw Materials Office employees. Today, Coloramo serves 11,088 members and has assets of $150 million. Coloramo Federal Credit Union's mission is to build lifelong member relationships to help our members.

  • W.C. Mortgage Inc.
  • 803 White Avenue, Grand Junction, CO, 81501
  • Lends in Colorado
  • At W.C. Mortgage Inc., we have a saying here, "Mobiles to Mansions," whether you are buying a manufactured house in a mobile home park or a mansion on acreage we have a competitive program for you. We have been in business for over a decade as a small personable brokerage that has grown throughout the years by being true to our customers.

  • Grand Junction Federal Credit Union
  • 633 24 Road, Grand Junction, CO, 81505
  • Lends in Colorado
  • GJFCU provides the following, competitive services to the community: low-balance savings accounts, free checking accounts, share certificates, IRA certificates, direct deposit, wire transfers, payroll deduction, debit cards, Visa credit card – no annual fee, pre-paid debit & travel cards, gift cards, money orders, low interest loans.

  • Grand Valley Home Loans
  • 127 N Cherry St, Fruita, CO, 81521
  • Lends in Colorado
  • Discovering your dream home is easier with Grand Valley Home Loans. Since 2016, they've been helping clients navigate the intricate world of home financing with options like VA, FHA, and USDA loans. Whether upgrading, downsizing, or just starting your homeowner journey, they offer specialized services like no money down and down payment grants. Rea

  • Delta County Federal Credit Union
  • 100 Circle Drive, Delta, CO, 81416
  • Lends in Colorado
  • It is the mission of Delta County Federal Credit Union to offer products and services which meet the financial needs of our present and future members. DCFCU will strive to ensure long-term financial stability by providing products and services in a manner consistent with high standards of quality, at the fairest price.

  • San Juan Mountains Credit Union
  • 1400 E. Main Street, Montrose, CO, 81401
  • Lends in Colorado
  • Our Mission is TO SERVE AS THE PRIMARY FINANCIAL INSTITUTION OF OUR MEMBERSHIP BY PROVIDING EFFICIENT SERVICES OF HIGH QUALITY, THUS PROMOTING THE PHILOSOPHY OF "PEOPLE HELPING PEOPLE". San Juan Mountains Credit Union welcomes all people to become a member, not just another account number like at other financial institutions.

  • NuVista Federal Credit Union
  • 2711 Commercial Way, Montrose, CO, 81401
  • Lends in Colorado
  • NuVista Federal Credit Union which was originally Montrose Federal Credit Union was established in 1964. It was built on honesty, integrity & self worth.We hold that same foundation today.When first opened the credit union was for federal employees only. Times have changed & we know now that the support of the community as a whole is what helps us.

  • Alpine Bank and Trust Co
  • 2200 Grand Avenue, Glenwood Springs, CO, 81601
  • Lends in Colorado
  • Alpine Bank is an independent, employee-owned bank which has been helping build Colorado communities for over 45 years. In a time of impersonal banking giants, Alpine Bank stands out as a full-service community bank with the personal touch--delivering the full range of personal, business, wealth management*, mortgage and electronic banking services