VA Loan Calculator for Colorado (CO) — Free Calculator

VA Loans in Colorado

VA loans allow eligible veterans and active-duty service members to buy a home in Colorado with no down payment. On the median Colorado home of $540,000, that's the full $540,000 financed — no down payment required.

VA Loan Limits in Colorado

Veterans with full entitlement have no VA loan limit. The conforming limit of $726,200 in Colorado is relevant only for veterans with reduced entitlement. Most Colorado counties are at the standard limit. Eagle, Pitkin, and Routt counties (ski resort areas) qualify for high-cost limits up to $1,089,300.

VA Funding Fee

Most VA borrowers pay a one-time VA funding fee: 2.15% for first use with no down payment (1.5% with 5%+ down). On a $540,000 loan, the funding fee is approximately $11,610. Veterans with service-connected disabilities are exempt.

Property Taxes in Colorado

VA loans don't change your property tax obligation. Colorado's effective rate is 0.49%, adding ~$221/month to your VA PITI payment.

Data: Tax Foundation (2024), US Census Bureau ACS 2023, Zillow, ATTOM Data Solutions. Updated 2024–2025. Figures reflect state averages — consult a licensed professional for personalized advice.

Frequently Asked Questions

Can I use a VA loan in Colorado?

Yes. VA loans are available in all states including Colorado. Eligible veterans and service members can buy the median Colorado home ($540,000) with no down payment.

What is the VA loan limit in Colorado?

Veterans with full entitlement have no loan limit. For those with reduced entitlement, the baseline conforming limit of $726,200 applies. Most Colorado counties are at the standard limit. Eagle, Pitkin, and Routt counties (ski resort areas) qualify for high-cost limits up to $1,089,300.

How much is the VA funding fee in Colorado?

For a first-use VA loan with no down payment, the funding fee is 2.15% of the loan amount. On Colorado's median home of $540,000, that's approximately $11,610. Veterans with service-connected disabilities pay no funding fee.

What are closing costs on a VA loan in Colorado?

VA loans have lender-paid and buyer-paid closing costs. Buyers typically pay $3,800 in Colorado. Colorado imposes a deed of trust recording fee and a documentary fee of $0.01/$100 of value, both of which are modest. Title insurance is a significant component of closing costs. Sellers can also contribute to closing costs.

VA Loan Calculator for Colorado

VA Loans in Colorado

VA Loan Limits in Colorado

VA Funding Fee

Property Taxes in Colorado

VA Loan Calculator for Other States

Frequently Asked Questions