VA Loan Limits in Colorado (2026)
For 2026, the VA county loan limit for most Colorado counties is $832,750 for a single-family home — but only for veterans with partial entitlement. 6 higher-cost Colorado counties go above that, up to $1,249,125.
With full VA entitlement, there is no loan limit in Colorado — eligible veterans buy at any price a lender approves with $0 down and no monthly mortgage insurance.
VA loan limits by county in Colorado
| County | 1-Unit | 2-Unit | 4-Unit | Tier |
|---|---|---|---|---|
| El Paso County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Denver County | $893,000 | $1,143,287 | $1,717,530 | High-cost |
| Arapahoe County | $893,000 | $1,143,287 | $1,717,530 | High-cost |
| Jefferson County | $893,000 | $1,143,287 | $1,717,530 | High-cost |
| Adams County | $893,000 | $1,143,287 | $1,717,530 | High-cost |
| Douglas County | $893,000 | $1,143,287 | $1,717,530 | High-cost |
| Larimer County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Weld County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Boulder County | $1,249,125 | $1,599,225 | $2,402,475 | High-cost |
| Broomfield County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Garfield County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| La Plata County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Eagle County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Montrose County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Delta County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Fremont County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Logan County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Morgan County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Summit County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Routt County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Montezuma County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Otero County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Pueblo County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Mesa County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
Colorado's median home price is roughly $545,000. With $0 down and no PMI, an example VA payment near that price is about $3,776/month including the financed funding fee, taxes, and insurance.
Using your VA benefit in Colorado
The VA home-loan benefit lets eligible Colorado veterans, active-duty service members, and surviving spouses buy with no down payment, no monthly mortgage insurance, and competitive rates. The county limits above only matter if your entitlement is reduced — otherwise there is no cap.
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Frequently Asked Questions
- What is the VA loan limit in Colorado for 2026?
- With full entitlement, none. For partial entitlement, most Colorado counties use the $832,750 conforming baseline; high-cost counties go up to $1,249,125.
- Do VA loans in Colorado require a down payment or PMI?
- No. Eligible borrowers can buy with $0 down, and VA loans never charge monthly mortgage insurance.