El Paso County, Colorado loan limits — 2026.
Colorado Springs, Fountain, Monument, Manitou Springs. One of the largest VA loan markets in the U.S.
2026 loan limits at a glance
Standard (non high-cost) limits apply throughout El Paso County, including Colorado Springs and surrounding towns.
| Program | 1-unit | 2-unit | 3-unit | 4-unit |
|---|---|---|---|---|
| VA (full entitlement) | No limit | No limit | No limit | No limit |
| VA (partial entitlement) | $806,500 | $1,032,650 | $1,248,150 | $1,551,250 |
| Conforming (Fannie / Freddie) | $806,500 | $1,032,650 | $1,248,150 | $1,551,250 |
| FHA | $551,150 | $705,500 | $852,750 | $1,059,900 |
| Jumbo | > $806,500 | > $1,032,650 | > $1,248,150 | > $1,551,250 |
VA loans dominate Colorado Springs
El Paso County is home to Fort Carson, Peterson SFB, Schriever SFB, the US Air Force Academy, and Cheyenne Mountain. As a result, more than a third of all home purchase loans here are VA loans — one of the highest rates in the nation.
Why VA wins for service members: 0% down, no PMI, competitive rates, assumable by another VA-eligible buyer, and no hard loan limit with full entitlement. The VA funding fee can be financed into the loan.
PCS season tip: We help service members coordinate timing between selling their current home and buying in Colorado Springs, including bonus entitlement scenarios when keeping the previous home as a rental.
El Paso County loan FAQs
What is the 2026 VA loan limit in El Paso County, CO?+
VA loans have no hard loan limit for veterans with full entitlement — you can borrow above the conforming limit with zero down. Veterans with partial entitlement are capped at the county conforming limit, which is $806,500 in El Paso County for 2026.
What is the 2026 conforming loan limit in El Paso County?+
El Paso County uses the standard 2026 conforming loan limit of $806,500 for a single-family home. It is not designated as a high-cost area.
What is the 2026 FHA loan limit in El Paso County?+
The 2026 FHA loan limit for a single-family home in El Paso County is $551,150. This is higher than the FHA national floor due to local median home prices.
Why is Colorado Springs such a big VA loan market?+
El Paso County hosts Fort Carson, Peterson Space Force Base, Schriever Space Force Base, the US Air Force Academy, and Cheyenne Mountain. The high concentration of active duty, veterans, and their families makes Colorado Springs one of the largest VA loan markets in the country.
Do I have to pay a VA funding fee?+
Most veterans pay a one-time VA funding fee at closing — typically 2.15% on a first-time use, 0% down loan, or 3.3% on subsequent uses. Veterans receiving service-connected disability compensation and surviving spouses are exempt from the fee.
Can I use my VA loan more than once?+
Yes. You can restore your full VA entitlement by paying off a prior VA loan, or use bonus entitlement to have two VA loans simultaneously in some cases. We help Colorado Springs PCS-ing service members navigate entitlement restoration regularly.
PCS-ing to Colorado Springs?
VA pre-approval in under 24 hours. Local lender, military-friendly process.