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Colorado VA Home Loan Limits

colorado usa

With no universally accepted regional breakdown of the state, the structure of Colorado is refered to generically as the Eastern Slope and the Western Slope. Containing much of the Rocky Mountains and with the highest elevation in continental U.S., Colorado very much embodies the free spirit that this country was founded on. Named for the Colorado River and encompassing the western edge of the Great Plain, Colorado has topography as unique as its population. Admitted to the Union in 1876 as the 38th state, the region was inhabited by indigenous people for more than 13,000 years prior to contact with the first Europeans to enter the area. Francisco Vasquez de Coronado led the first European expedition throughout the area. Nearly 100 years later the Kingdom of France claimed the area. The secured part of the state as part of the Louisiana Purchase, but later abandoned claims to the area as part of the purchase of Florida. In totality, the territory of Colorado was acquired by the United States following the conclusion of the Mexican-American War.

The state is home to just over 5.187 million, with the most populous city being Denver. In fact, the Denver-Aurora-Boulder metropolitan area holds almost 62 percent of the state’s residents. Colorado has consistently been recognized for its strong and flourishing economy, and in 2010, CNBC named it as a Top State for Business, behind only Virginia and Texas.

With seven major military installations being located in Colorado, the state has a veteran population of almost 400,000, making it one of the premier places for veterans to purchase a home after their service. Bases in the state include the Pueblo Chemical Depot Army Base, Fort Carson Army Base, Schriever Air Force Base, Peterson Air Force Base, Cheyenne Mountain Air Force Base, Buckley Air Force Base, and Air Force Academy Air Force Base.

In order to obtain a VA home loan, a termite inspection is not required, but a Net Tangible Benefit worksheet is required. The portion of PUD HOA assessments superior to the VA first mortgage under Colorado’s Super Lien law can remain superior. For veterans considering the purchase a home in Colorado, using a VA home loan, it’s important to remember that the purchase of manufactured homes is not allowed.

Veterans in Colorado with a service-related disability that rates as 100 percent are entitled to the property tax exemption of 50 percent of the first $200,000 of the property value.


The following military installations are located in Colorado:

colorado air force bases

  1. Air Force Academy (Colorado Springs)
  2. Buckley Air Force Base (Aurora)
  3. Peterson Air Force Base (Colorado Springs)
  4. Schriever Air Force Base  (Colorado Springs)
  5. Fort Carson Army Post (Colorado Springs)

2020 Colorado Home Loan Limits

As of 2020, counties come with $0 down and a no VA loan limit. For more information, call 888-573-4496 to speak with a loan officer.

  1. Adams County
  2. Alamosa County
  3. Arapahoe County
  4. Archuleta County
  5. Baca County
  6. Bent County
  7. Boulder County
  8. Broomfield County
  9. Chaffee County
  10. Cheyenne County
  11. Clear Creek County
  12. Conejos County
  13. Costilla County
  14. Crowley County
  15. Custer County
  16. Delta County
  17. Denver County
  18. Dolores County
  19. Douglas County
  20. Eagle County
  21. El Paso County
  22. Elbert County
  23. Fremont County
  24. Garfield County
  25. Gilpin County
  26. Grand County
  27. Gunnison County
  28. Hinsdale County
  29. Huerfano County
  30. Jackson County
  31. Jefferson County
  32. Kiowa County
  33. Kit Carson County
  34. La Plata County
  35. Lake County
  36. Larimer County
  37. Las Animas County
  38. Lincoln County
  39. Logan County
  40. Mesa County
  41. Mineral County
  42. Moffat County
  43. Montezuma County
  44. Montrose County
  45. Morgan County
  46. Otero County
  47. Ouray County
  48. Park County
  49. Phillips County
  50. Pitkin County
  51. Prowers County
  52. Pueblo County
  53. Rio Blanco County
  54. Rio Grande County
  55. Routt County
  56. Saguache County
  57. San Juan County
  58. San Miguel County
  59. Sedgwick County
  60. Summit County
  61. Teller County
  62. Washington County
  63. Weld County
  64. Yuma County

To find out the exact dollar amount you qualify for, call the VA Home Loan Centers Applications Support Desk at 888-573-4496 or fill out the VA Home Loan Application located here.