VA Loan Limits in Denver County, Colorado (2026)
For 2026, the VA loan limit in Denver County is $893,000 for a single-family home — the cap that applies to veterans with partial entitlement. Denver County is a designated high-cost area.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $893,000 |
| Two-unit (duplex) | $1,143,287 |
| Three-unit (triplex) | $1,382,046 |
| Four-unit (fourplex) | $1,717,530 |
VA affordability around Denver County
Denver County's median sits around $580,000. Because VA requires no down payment and no PMI, a Denver County-area buyer finances the price plus a ~$12,470 funding fee, landing near $4,011/month at a sample 6.25% rate — often less than renting.
$0-down VA payment scenarios in Denver County
What a zero-down VA payment looks like across Denver County budgets (no monthly mortgage insurance):
| Purchase Price | Down | Est. Monthly Payment |
|---|---|---|
| Entry-level — $418,000 | $0 | $2,923 |
| Local median — $580,000 | $0 | $4,011 |
| Higher-end — $783,000 | $0 | $5,374 |
Estimates include the financed funding fee plus Colorado property taxes and insurance — but no monthly mortgage insurance, because VA loans never charge it. Rates move daily near Denver County too — get alerts.
VA multi-unit limits in Denver County
Denver County's 2026 VA multi-unit caps reach $1,143,287 (duplex), $1,382,046 (triplex), and $1,717,530 (fourplex). Live in one unit, rent the rest, and finance it all with $0 down.
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Frequently Asked Questions
- What is the VA loan limit in Denver County for 2026?
- For veterans with partial entitlement, the 2026 VA limit in Denver County is $893,000 (one unit), $1,143,287 (duplex), $1,382,046 (triplex), and $1,717,530 (fourplex). With full entitlement there is no limit.
- Do I really need $0 down to buy in Denver County?
- Eligible veterans can buy with no down payment at all. On a median $580,000 Denver County home that is $0 down, with a one-time funding fee of about $12,470 that is usually financed into the loan.
- Does a VA loan have monthly mortgage insurance in Denver County?
- No. VA loans never charge monthly mortgage insurance (PMI/MIP) — one of the biggest reasons a VA loan is cheaper than FHA or low-down conventional financing.
- Is Denver County a high-cost VA county?
- Yes — Denver County's partial-entitlement limit of $893,000 is above the $832,750 national baseline.