VA loans in Colorado — earned, not given.
Zero down, no PMI, and competitive rates for veterans, active duty, and surviving spouses across Colorado.
Why Colorado veterans use VA financing
- 0% down payment on a primary residence
- No monthly mortgage insurance (PMI)
- Competitive rates — typically 0.25–0.5% below conventional
- Flexible credit guidelines (we work with scores down to 580)
- Reusable benefit — restore entitlement after selling
- Seller can pay up to 4% in concessions plus all closing costs
Colorado military bases we serve
Colorado is one of the largest VA loan markets in the country. We work with active duty, transitioning service members, and veterans at every Colorado installation.
Fort Carson (Colorado Springs)
The largest VA buyer market in Colorado — heavy purchase activity in Fountain, Security-Widefield, southeast Colorado Springs, and Pueblo West.
Buckley Space Force Base (Aurora)
Drives strong VA volume in Aurora, Centennial, Parker, and southeast Denver suburbs.
Peterson Space Force Base (Colorado Springs)
Active duty and veterans frequently buy across El Paso County using VA financing.
U.S. Air Force Academy
Permanent party staff and retiring officers commonly purchase in Monument, Black Forest, and north Colorado Springs.
2026 Colorado VA loan limits
Veterans with full VA entitlement can borrow above the conforming limit with $0 down on most VA-friendly investors. In Colorado's high-cost counties — including Eagle, Pitkin, San Miguel, Summit, Routt, Garfield, and Boulder — the 2026 conforming/high-balance limit rises to $1,209,750. Standard CO counties cap at $806,500.
Need to borrow above your county limit? We have VA jumbo investors that go well above conforming with reasonable down payment requirements (often 25% of the amount above the limit, not the full purchase price).
Colorado VA loan FAQs
What's the VA loan limit in Colorado?+
Veterans with full entitlement have no VA loan limit — you can borrow above the conforming limit with $0 down on most lenders, though some investors cap zero-down at the local high-cost limit. In high-cost CO counties (Eagle, Pitkin, San Miguel, Summit, Boulder, etc.) the conforming limit goes up to $1,209,750 for 2026.
Can I use a VA loan for a second home or rental?+
No — VA loans require primary residence occupancy. However, you can buy a 2–4 unit property with VA as long as you live in one unit, and you can later turn a former VA-financed home into a rental when you PCS.
Do VA loans work in competitive Colorado markets?+
Yes. We frequently win multiple-offer scenarios with VA financing by issuing a strong pre-approval, waiving common contingencies where appropriate, and offering quick closes (often 21 days). The myth that 'sellers don't accept VA' is mostly outdated.
Is there a VA funding fee?+
Yes — typically 2.15% on first use, 3.3% on subsequent use, financed into the loan. Veterans with a service-connected disability rating are exempt from the funding fee entirely.
Can I use VA more than once?+
Yes — VA entitlement is reusable. You can have a VA loan now and use VA again on your next purchase as long as you have remaining entitlement, or by restoring entitlement after selling.
Does Tayton Capital specialize in VA loans?+
VA is one of our highest-volume programs — particularly along the Front Range. We're set up to close VA fast and competitively, and as a broker we shop multiple VA investors to find the best rate for your scenario.
Use your VA benefit in Colorado
Free pre-approval, no obligation. We'll pull your COE and price multiple VA investors.