2026 Loan Limits in Montrose, Montrose County
The 2026 conforming loan limit in Montrose County is $832,750, covering most Montrose home purchases. FHA buyers work within Colorado's $541,287 floor — 3.5% down, flexible credit, and no income limit for qualifying. USDA 0% down financing is available on eligible Montrose properties, with a 2026 household income cap of $115,000 (1–4 persons). Eligible addresses must be confirmed — use the USDA eligibility map or ask us to check a specific property.
Loan Programs Available
Conventional
Fannie Mae and Freddie Mac financing up to $832,750 in Montrose County — primary, second home, and investment.
FHA
3.5% down, flexible credit, no income cap. Montrose's 2026 FHA ceiling: $541,287.
USDA
0% down rural development financing on eligible Montrose addresses, with a 2026 household income cap of $115,000 (1–4 persons). 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 Montrose 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
Western Slope hub; USDA outskirts eligible; Montrose Regional Health drives workforce demand.