In 2026, FHA loan limits for Fruita county in Mesa, CO are: $472,030 for a single-family home, $604,400 for two units, $730,525 for three units, and $907,900 for four units.
The ceiling for conventional loans is $726,200 on a single-family house; $929,850 is set for two-unit properties; $1,123,900 for three-unit homes; and $1,396,800 for four-unit residences.
Our FHA calculator provides access to today’s best FHA rates, helping you assess the required downpayment, income levels, credit scores, reserves, and documents needed to qualify.
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Using the Lendersa® calculator, you can compare FHA rates and terms alongside any other loan program offerings. Explore different options such as Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans with FHA.
Lendersa® efficiently aggregates loan data from thousands of lenders, delivering quick, tailored comparisons to align with your financial needs and profile.
The Loan Limits Comparison Table for 2026 in Fruita county, Mesa, CO gives a detailed look at maximum loan capacities across different categories. This includes FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To delve into qualification criteria such as income, reserves, and credit factors, the Lendersa® Super Loan Integrated Qualifier (SLIQ™) can be a valuable resource.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $472,030 | $604,400 | $730,525 | $907,900 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| USDA | $420,600 | $420,600 | $420,600 | $420,600 |
| VA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
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