Mesa County Housing Authority Down Payment Assistance
Mesa County Housing Authority Down Payment Assistance is a deferred second loan for homebuyers in Grand Junction, Colorado, administered by Housing Resources of Western Colorado.
The program asks for
- First-time homebuyer — the program sets its own definition
- The home is occupied as a primary residence
- A minimum 620 credit score
- A completed homebuyer education course, through HUD-approved homebuyer education required
- Residency: State Resident
- Citizenship or immigration status: U.S. Citizen or Permanent Resident
- Purchase in Mesa County; income at or below 80% AMI; first-time buyer
- A home in Mesa County
It doesn’t cover
- Manufactured homes
- Households above 80% 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
80% 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.
Where it applies
Mesa County’s homesMesa County’s homes, and the ones this program accepts
- 71.3% single-familysingle-family
- 4.5% townhousetownhouse
- 6.6% 2–4 units2–4 units
- 9.6% 5+ unitscondo & apartment buildings (5+ units)
- 8% mobile & othermobile home & 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
How to applyThree steps, in this order
Take a homebuyer education course
Required by the program, through HUD-approved homebuyer education required.
Contact Housing Resources of Western Colorado to reserve funds
Funds are reserved through First-Come-First-Served, and are subject to availability.
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 Mesa County Housing Authority Down Payment Assistance?
Mesa County Housing Authority Down Payment Assistance is a deferred second loan for homebuyers in Grand Junction, Colorado, administered by Housing Resources of Western Colorado. Mesa County Housing Authority provides DPA to first-time homebuyers in Mesa County (Grand Junction area), coordinating with Housing Resources of Western Colorado (HRWCO). Deferred-payment loan. DPA for Mesa County first-time buyers. Grand Junction area. deferred repayment. coordinates with HRWCO. Funding comes from Local Government.
Do you have to pay it back?
Mesa County Housing Authority Down Payment Assistance is deferred, so no payments are due until the home is sold, refinanced, or the first mortgage is paid off. Repayment is triggered by Sale, Refinance, and Maturity Date. The assistance is recorded in 2nd Lien position. Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.
Who qualifies?
Mesa County Housing Authority Down Payment Assistance 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. The program lists a minimum credit score of 620. A homebuyer education course is required, through HUD-approved homebuyer education required. Residency requirement: State Resident. Citizenship or immigration status: U.S. Citizen or Permanent Resident. Purchase in Mesa County; income at or below 80% AMI; first-time buyer.
What are the income limits?
Mesa County Housing Authority Down Payment Assistance limits household income to 80% of the area median income, which varies by county and household size. Income at or below 80% 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?
Mesa County Housing Authority Down Payment Assistance can be used for Single Family, Condo, and Townhouse. New construction is eligible. Manufactured homes are not eligible.
Where does it apply?
Mesa County Housing Authority Down Payment Assistance serves homebuyers purchasing in Grand Junction, Colorado. The program targets specific areas: Mesa County (Grand Junction, Fruita, Palisade).
How do you apply?
Applications for Mesa County Housing Authority Down Payment Assistance go through Housing Resources of Western Colorado, 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 homebuyersOther programs open to Mesa County homebuyers
- Habitat for Humanity of Mesa County Homeownership ProgramForgivable
- CHFA SmartStepUp to $25,000
- Federal Home Loan Bank of Topeka Homeownership Set-aside Program (Colorado)Up to $22,000
Whether two programs can be combined is up to each agency. Ask before you apply.
All 84 programs for Mesa CountyProgram terms are set by Housing Resources of Western Colorado and can change; confirm on the official site before you apply.