A 3rd party broker that specializes in mortgages guaranteed by the US government

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 $3 million VA loan limit. For more information, call 888-573-4496 to speak with a loan officer.

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

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.