FHA Loan Limits in Montezuma County, Colorado (2026)
In Montezuma County — anchored by Montezuma County — the 2026 FHA loan limit for a single-family home is $541,287. That matches the national FHA floor used across most of the Mountain West.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $541,287 |
| Two-unit (duplex) | $692,997 |
| Three-unit (triplex) | $837,720 |
| Four-unit (fourplex) | $1,041,072 |
From Montezuma County to the edges of Montezuma County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Denver and Arapahoe Counties.
Affording a home in Montezuma County & Montezuma County
With Montezuma County's median sale price estimated near $638,000 (think Montezuma County), the FHA down payment is roughly $18,945. Factoring Colorado property taxes near 0.51%, expect about $3,859 monthly, pointing to income near $149,000 — above Colorado's $87,598 median household income, so budget carefully.
FHA payment scenarios in Montezuma County
Whether you are buying in Montezuma County or a smaller Montezuma County community, here is how an FHA payment scales by price (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $459,000 | $16,065 | $3,290 |
| Local median — $541,287 | $18,945 | $3,859 |
| At the FHA limit — $541,287 | $18,945 | $3,859 |
Estimates include FHA MIP plus Colorado property taxes and insurance. Rates move daily near Montezuma County too — get notified.
First-time buyers make up much of FHA activity in Montezuma County and across Montezuma County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $18,945 needed on a median Montezuma County home.
Multi-unit FHA limits in Montezuma County
Investors and house-hackers in Montezuma County and across Montezuma County can finance 2-4 unit homes with FHA at just 3.5% down: $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
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Frequently Asked Questions
- What is the FHA loan limit in Montezuma County for 2026?
- In Montezuma County (Montezuma County), the 2026 FHA limit is $541,287 for one unit, $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
- What income do I need to buy in Montezuma County with FHA?
- For a median-priced ($541,287) Montezuma County home, plan on income around $149,000 at a 31% housing ratio — about $3,859/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Montezuma County?
- 3.5% with a 580+ score — roughly $18,945 on a $541,287 Montezuma County-area home. Gift funds are allowed.
- Is Montezuma County a high-cost FHA area?
- No — Montezuma County uses the $541,287 national floor for one unit.