Forgivable loan
Habitat for Humanity of Mesa County Homeownership Program
First-time homebuyers · New construction · Income limits · Single Family
Down payment assistance · Mesa County
Buying a home in Grand Junction, CO
3 Grand Junction programs and 20 statewide.Grand Junction has 3 programs of its own, and 20 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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Only for Grand Junction addresses
Grand Junction’s own programs
Deferred second loan
Housing Resources of Western Colorado Purchase Assistance Program
First-time homebuyers · New construction · Income limits · Single Family · Condo · Townhouse
Deferred second loan
Mesa County Housing Authority Down Payment Assistance
First-time homebuyers · New construction · Income limits · Single Family · Condo · Townhouse
The Grand Junction marketThe Grand Junction housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Grand Junction
- 64% single-familysingle-family
- 6.4% townhousetownhouse
- 7.1% 2–4 units2–4 units
- 17.4% 5+ unitscondo & apartment buildings (5+ units)
- 5.1% mobile & othermobile home & other
Condos count. 2 of Grand Junction’s 3 local and county programs accept condos. Habitat for Humanity of Mesa County Homeownership Program lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Grand Junction’s homes were built
pre-19401970s2020+
42%
of Grand Junction homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$100,600
County area median income, 4 people (HUD)HUD area median income, Mesa County, 4-person household (2026)
$70,080
Grand Junction median household incomeMedian household income in Grand Junction (Census, 2024)
26 of the 85 programs here set their income limit as a share of Mesa County’s area median income, adjusted for household size. See the published limits for Mesa County
Free help nearbyFree help near Grand Junction
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
3 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 3 local programs here ask for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
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Across Colorado and nationwide
82 statewide & federal programs20 statewide programs, plus federal options
Grand Junction questions
Does Grand Junction have its own down payment program?
Yes, 3: Habitat for Humanity of Mesa County Homeownership Program, Housing Resources of Western Colorado Purchase Assistance Program and Mesa County Housing Authority Down Payment Assistance. Each is for homes inside Grand Junction.
Can I use assistance on a condo in Grand Junction?
2 of Grand Junction’s 3 local and county programs accept condos. Habitat for Humanity of Mesa County Homeownership Program lists single family. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in Mesa County?
Each program sets its own. 26 of the programs here set theirs as a share of HUD’s area median income for Mesa County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Grand Junction?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Grand Junction. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
81501 · 81502 · 81503 · 81504 · 81505 · 81506
Sources
Sources: agency sites (June–September 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (June–September 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.