2026 Loan Limits in Fort Morgan, Morgan County
Morgan County uses the $847,440 national baseline conforming limit for 2026. The county's one-unit FHA limit is the $541,287 national floor. At a $265,000 median, both conforming and FHA financing reach the middle of the Fort Morgan market. On 2–4 units, conforming runs $1,065,920/$1,288,597/$1,601,462 and FHA $692,847/$837,588/$1,040,949, which is how Fort Morgan buyers house-hack a duplex with 3.5% down.
Loan Programs Available
Conventional
Fannie Mae and Freddie Mac financing up to $847,440 in Morgan County — primary, second home, and investment.
FHA
3.5% down, flexible credit, no income cap. Fort Morgan's 2026 FHA ceiling: $541,287.
USDA
0% down rural development financing on eligible Fort Morgan addresses. Address must be verified on the USDA eligibility map.
DSCR
Investment property financing that qualifies on rental income — no personal income documentation required. Common in Fort Morgan for long-term rentals and small multi-unit properties.
Jumbo & Non-QM
For loans above the conforming ceiling, bank statement, P&L, asset depletion, and foreign national programs are available.
Local Market Notes
Fort Morgan, Morgan County — a mixed residential market; median $265,000; county FHA limit $541,287.