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Habitat for Humanity of Mesa County Homeownership Program

Habitat for Humanity of Mesa County Homeownership Program is a forgivable loan for homebuyers in Grand Junction, Colorado.

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The program asks for

  • First-time homebuyer — the program sets its own definition
  • The home is occupied as a primary residence
  • A completed homebuyer education course, through Habitat homeownership education required
  • Residency: State Resident
  • Citizenship or immigration status: U.S. Citizen or Permanent Resident
  • Income 30-60% AMI; Mesa County; sweat equity hours required; Habitat-built home
  • A home in Mesa County

It doesn’t cover

  • Manufactured homes
  • Households above 60% of area median income
  • Homes outside Mesa County

These are the program's own published rules, not a decision about any individual — the administering agency and a lender determine who actually qualifies.

Income limit

60% of Mesa County’s area median income

HUD sets the area median income each year. The limit changes with household size, so a family of five has a higher limit than a single homebuyer.

$100,600
Area median income, 4-person household (HUD, 2026)
Income limits in Colorado

Where it applies

Mesa County’s homes

  • 71.3% single-family
  • 4.5% townhouse
  • 6.6% 2–4 units
  • 9.6% 5+ units
  • 8% mobile & other

A tick marks a kind of home the program’s record lists. The agency confirms it for the home you choose.

$378,600

Mesa County median home value

39.5%

built before 1980

U.S. Census Bureau, ACS 2024 5-year. More about buying in Mesa County

How to apply

  1. Take a homebuyer education course

    Required by the program, through Habitat homeownership education required.

  2. Contact the administering agency to reserve funds

    Funds are reserved through First-Come-First-Served, and are subject to availability.

  3. Work with a lender who handles the program

    Hey Prescott is not a lender and does not accept applications; this page describes the program so a homebuyer can take it to a lender or housing counselor.

Questions about this program

What is Habitat for Humanity of Mesa County Homeownership Program?

Habitat for Humanity of Mesa County Homeownership Program is a forgivable loan for homebuyers in Grand Junction, Colorado. Habitat for Humanity of Mesa County provides affordable homeownership through sweat equity in Grand Junction and Mesa County. Below-market mortgage; no traditional down payment. Serves low-income families in western Colorado. Affordable homeownership for Mesa County low-income families. Grand Junction area. sweat equity model. below-market mortgage. western Colorado. Funding comes from Nonprofit, Federal, and Private.

Do you have to pay it back?

Habitat for Humanity of Mesa County Homeownership Program is a forgivable loan, so the balance is forgiven once the program's conditions are met. Repayment is triggered by Sale and Refinance. The assistance is recorded in 1st Lien (Habitat mortgage) position. Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

Habitat for Humanity of Mesa County Homeownership Program is open to first-time homebuyers and homebuyers who will live in the home as their primary residence. "First-time homebuyer" usually means not having owned a home in the last three years, but the program sets its own definition. A homebuyer education course is required, through Habitat homeownership education required. Residency requirement: State Resident. Citizenship or immigration status: U.S. Citizen or Permanent Resident. Income 30-60% AMI; Mesa County; sweat equity hours required; Habitat-built home.

What are the income limits?

Habitat for Humanity of Mesa County Homeownership Program limits household income to 60% of the area median income, which varies by county and household size. Income 30-60% AMI; Mesa County. The limit applies to total household income, not only the borrower’s. Area median income figures are published by HUD and updated annually, so check the current table for the county before relying on a number.

What kind of home can it be used for?

Habitat for Humanity of Mesa County Homeownership Program caps the purchase price as follows: Habitat-built homes at affordable below-market prices. Eligible property types include Single Family. New construction is eligible. Manufactured homes are not eligible.

Where does it apply?

Habitat for Humanity of Mesa County Homeownership Program serves homebuyers purchasing in Grand Junction, Colorado. The program targets specific areas: Mesa County (Grand Junction, Fruita, Palisade).

How do you apply?

Applications for Habitat for Humanity of Mesa County Homeownership Program go through the administering agency, which publishes the current terms and the application steps on its own site. Funds are reserved through First-Come-First-Served. Hey Prescott is not a lender and does not accept applications; this page describes the program so a homebuyer can take it to a lender or housing counselor.

Also for Mesa County homebuyers

Whether two programs can be combined is up to each agency. Ask before you apply.

All 84 programs for Mesa County

Program terms are set by the administering agency and can change; confirm on the official site before you apply.