Reconstructing high-fidelity animatable human avatars from monocular videos remains challenging due to insufficient geometric information in single-view observations. While recent 3D Gaussian Splatting methods have shown promise, they struggle with surface detail preservation due to the free-form nature of 3D Gaussian primitives. To address both the representation limitations and information scarcity, we propose a novel method, \textbf{FMGS-Avatar}, that integrates two key innovations. First, we introduce Mesh-Guided 2D Gaussian Splatting, where 2D Gaussian primitives are attached directly to template mesh faces with constrained position, rotation, and movement, enabling superior surface alignment and geometric detail preservation. Second, we leverage foundation models trained on large-scale datasets, such as Sapiens, to complement the limited visual cues from monocular videos. However, when distilling multi-modal prior knowledge from foundation models, conflicting optimization objectives can emerge as different modalities exhibit distinct parameter sensitivities. We address this through a coordinated training strategy with selective gradient isolation, enabling each loss component to optimize its relevant parameters without interference. Through this combination of enhanced representation and coordinated information distillation, our approach significantly advances 3D monocular human avatar reconstruction. Experimental evaluation demonstrates superior reconstruction quality compared to existing methods, with notable gains in geometric accuracy and appearance fidelity while providing rich semantic information. Additionally, the distilled prior knowledge within a shared canonical space naturally enables spatially and temporally consistent rendering under novel views and poses.