In 2026, FHA loan limits in Montrose county, part of Montrose, CO, are structured as follows: $472,030 for a single-family home, $604,400 for properties with two units, $730,525 for three-unit residences, and $907,900 for four-unit buildings.
Conventional loan maximums are set at $726,200 for a single-family property, $929,850 for duplexes, $1,123,900 for triplexes, and $1,396,800 for four-unit homes.
Make use of our FHA calculator to find today’s most favorable FHA rates, determining key components such as down payment, income needs, credit considerations, reserves, and document requirements.
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The Lendersa® calculator provides a platform to compare FHA rates and terms against those from a wide spectrum of other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
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Use the Loan Limits Comparison Table for 2026 in Montrose county, which resides in Montrose, CO, to assess maximum loan values across various categories: FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To review qualification criteria such as income levels, reserves, and credit specifications, utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| 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 | $336,500 | $336,500 | $336,500 | $336,500 |
| 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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