Montrose County at a glance
RE-1J is the main school employer, and West End RE-2 serves the far west end of the county. Full-time staff at either can use Schools To Home, and you can use less than the full 25% if a smaller second covers your gap.
The Montrose County Sheriff's Office, Montrose Police Department and Montrose Fire Protection District are the main Colorado Champions employers. Wildlife and port of entry officers based on the Western Slope are covered too.
Montrose shares the lowest FirstStep tier, with a $566,350 price limit and $127,800 / $146,970 income limits.
Caps for Montrose County
| Income, 1–2 | Income, 3+ | Price cap |
|---|---|---|
| $127,800 | $146,970 | $566,350 |
Montrose is in CHFA's lowest FirstStep tier; Champions and Schools To Home don't use these county figures. Statewide table · Budget estimate
Local programs in Montrose County
Programs run by cities, the county, employers or nonprofits here. Some layer on top of the state option and some replace it; the lender sorts out which combinations are allowed.
Housing Resources of Western Colorado Purchase Assistance Loan
OpenMesa, Montrose, Delta and Garfield counties
- Buyers
- Buyers of a primary residence (eligibility details not on page)
- Form
- Deferred loan, repaid later
- Conditions
- Contact agency; homebuyer education offered free
0% interest, no monthly payment; due at end of term, sale or change in primary residence. Agency's affordable new-build listings in Grand Junction advertise up to $105,000 DPA for eligible buyers.
Checked November 2026 · method
Check my eligibility →Telluride Foundation Equity Share DPA
OpenWest end of Montrose County (Nucla/Naturita) and the Telluride service area
- Buyers
- Buyers working full time in the Telluride Service Area (San Miguel, Ouray, west Montrose, Rico) for 12+ months
- Amount
- Up to 20% of price (max $30,000 in Nucla/Naturita)
- Form
- deferred (shared equity)
- Income cap
- Up to 150% AMI
- Price cap
- $300,000
- Conditions
- Primary residence; homebuyer education
Repaid at sale or refinance with shared appreciation unless repaid within 36 months.
Checked November 2026 · method
Program details →Check my eligibility →Homebuyer courses near Montrose County
Plan on a homebuyer education course before closing; nearly every program asks for one. HUD-approved agencies serving Montrose County:
| Agency | City | Miles | Services | Languages | Format |
|---|---|---|---|---|---|
| Housing Resources of Western Colorado | Grand Junction | 49 mi | homebuyer education class, pre-purchase counseling | English | Phone |
From HUD's housing counseling agency list. Programs differ on which courses they accept.
Qualifying employers in Montrose County
Local school systems and public safety agencies:
- Montrose County School District RE-1J
- West End School District RE-2
- Montrose County Sheriff's Office
- Montrose Police Department
- Montrose Fire Protection District
RE-1J and West End RE-2 staff, plus the sheriff, police and fire district listed, are the main local qualifiers. Full list of eligible jobs.
Montrose County questions
Do West End RE-2 employees in Nucla qualify?
Yes. Any full-time employee of a Colorado public school district can use Schools To Home.
Can I buy a manufactured home with Champions?
The Champions matrix allows manufactured housing that meets CHFA guidelines.
What's the Montrose FirstStep price limit?
$566,350 for non-targeted areas.
Nearby county guides: El Paso · City and of Denver · Arapahoe · Jefferson · Adams · Douglas · Weld · Larimer · Boulder · Pueblo · all counties
Run the check for Montrose County
Six questions, no credit check. A lender who offers the program follows up, or call (800) 555-0100.
Start the eligibility check