In 2026, the FHA loan limits applied in Monte-Vista county, part of Rio Grande, CO, are configured as follows: for a single-family home, it is $356,362. If you are considering a property with two units, the limit extends to $456,275. For properties with three units, the maximum allowable loan is $551,500, and if the property encompasses four units, the limit expands to $685,400. Understanding these limits is essential for potential FHA borrowers, allowing them to gauge the financing available depending on property size and type.
For conventional loans, the highest amounts one can borrow differ: for a single-family residence, the limit is $548,250. For two-key dwellings, this cap is $702,000. For three-unit homes, it increases to $848,500, and for four-unit buildings, the maximum loan amount reaches $1,054,500. These figures help borrowers plan their finances when choosing conventional loan paths.
Utilize our FHA calculator for insight into today’s leading FHA rates, determining necessary down payments, income requirements, credit assessments, reserves, and documents needed to qualify. This tool simplifies the often complex process of loan calculations, ensuring you are well-prepared for financing.
Begin your exploration by comparing offers from a diverse range of 100 lenders, and identify the most beneficial terms to fit your specific financial needs and goals.
The Lendersa® calculator provides a platform to compare FHA loan rates and terms with those from various other lending programs, including conventional loans, jumbo, VA, USDA, Non-QM, and hard money loans. This comprehensive comparison allows you to find a lending solution that aligns perfectly with your financial profile.
Lendersa® aggregates extensive loan data from thousands of lenders, performing rapid comparisons tailored to your unique financial situation, presenting you with options that are customized and relevant to your lending needs.
For detailed insights, refer to the Loan Limits Comparison Table for 2026 in Monte-Vista county, located in Rio Grande, CO. This table provides a thorough overview of maximum loan amounts available for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To accurately compare qualification requirements, including income, reserves, and credit parameters, utilize Lendersa® Super Loan Integrated Qualifier (SLIQ™), which offers in-depth analysis and advice for navigating your mortgage options effectively.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $356,362 | $456,275 | $551,500 | $685,400 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $285,000 | $285,000 | $285,000 | $285,000 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| 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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