VA Home Loans in Centennial, CO
An estimated 7.8% of Centennial residents are veterans — the VA loan's 0-down benefit is available to all eligible buyers regardless of local military presence.
BAH Coverage in Centennial
BAH at Buckley SFB is $2,841/mo for E-5 with dependents — budget the gap carefully vs the estimated monthly payment in Centennial.
VA Funding Fee — Centennial
| Down Payment | Funding Fee | Amount |
|---|---|---|
| 0% down (first use) | 2.15% | $13,437 |
| 5% down | 1.50% | Lower fee |
| 10%+ down | 1.25% | Lowest — no MIP ever |
Disabled veterans with a service-connected rating may be exempt from the funding fee entirely. Surviving spouses of service members who died in the line of duty are also exempt.
Income to Qualify
To comfortably afford a VA loan in Centennial, lenders typically look for $120,920/year gross income (28% front-end DTI on a $638,437 loan). VA is more flexible than most programs — residual income and compensating factors let some buyers qualify with lower income.
Veteran Population
An estimated 7.8% of Centennial residents are veterans. An estimated 7.8% of Centennial residents are veterans — the VA loan's 0-down benefit is available to all eligible buyers regardless of local military presence.
Frequently Asked Questions
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