VA loans in Aurora.
The Arapahoe County figure on this page is a county reference only, not an address-based lookup for Aurora. Confirm the property's county, and which local offices serve the address, before relying on it.
Arapahoe County reference value. County reference, not an address-based lookup. Confirm the county of the property before using this value; city and metro boundaries can cross counties.
Source: FHFA Full County Loan Limit List for 2026 (HERA-based, final). One-unit limit; applies to mortgages acquired in calendar year 2026. Source checked 2026-09-16. · Arapahoe County (FIPS 08005)
County reference, not an address-based lookup. Confirm the county of the property before using this value; city and metro boundaries can cross counties. Look the property's county up at FHFA.
What the county figure means here.
A borrower with full VA entitlement does not have a VA loan limit, subject to lender approval, ability to repay, and the appraised value or purchase price. The FHFA one-unit county conforming loan limit matters primarily when calculating remaining bonus entitlement for a borrower who does not have full entitlement, and it may affect whether a down payment is required.
Arapahoe County carries a $862,500 one-unit conforming loan limit value for 2026, and that is the county figure we reference for Aurora. County reference, not an address-based lookup. Confirm the county of the property before using this value; city and metro boundaries can cross counties. Whichever county your property is in, the value is used in remaining-entitlement calculations — including on a 2–4 unit property — and is not a cap on what a fully-entitled buyer can finance.
Planning around BAH? Rates vary by pay grade, dependency status, and ZIP-based Military Housing Area — verify yours on the official DoD BAH calculator.
This site does not publish current rates or APRs. Your rate and terms depend on your credit profile, income and assets, the property, market conditions, lock timing, points or lender credits, underwriting, and final lender approval. Request a personalized quote from Bolt Home Loans LLC.
Estimate a payment with your own rate assumptionAurora's Do It Right handbook: permits for basements, decks, roofs and water heaters
The City of Aurora Building Division's Do It Right Home Improvement Handbook explains when permits are needed and covers ten common projects: basement finishes, decks, roof replacement, patio covers, water heaters, sheds, kitchen and bath remodels, driveways, sunrooms and new detached garages. It ends with a list of residential improvement permits.
Aurora4Biz.org handles online permit applications, plan submittals, inspection scheduling and inspection results. Practical step: when a listing highlights a finished basement or new roof, ask the Permit Center at 15151 E. Alameda Parkway whether the permits were finaled. Aurora spans more than one county, so confirm the county too. The handbook also offers eleven tips for finding a contractor.
Arapahoe County disabled veterans exemption: file by July 1
The Arapahoe County Assessor explains that Colorado's 2006 Disabled Veterans Exemption Amendment extended the senior exemption to qualifying disabled veterans. Qualifying veterans receive a 50% exemption on the first $200,000 of actual value of their primary residence. The County links 2026 application forms, including forms for surviving spouses and Gold Star spouses.
The page states a July 1 filing deadline in the year the exemption is requested and refers questions to the Colorado Division of Property Taxation. Practical step: for Aurora homes in Arapahoe County, confirm where the current form is filed and submit it well before July 1. Separate applications are posted for surviving spouses of veterans with a disability and for Gold Star spouses.
- FHFA — Conforming loan limit values
- City of Aurora Building Division — Do It Right Home Improvement Handbook (PDF)
- Arapahoe County Assessor — Disabled Veterans Property Tax Exemption
- VA — Home loan entitlement and limits
Sources checked 2026-09-24. Educational information only, not legal, tax or underwriting advice.
VA loan programs available in CO.
$0 down in Aurora. No PMI.
Lower your rate. Minimal paperwork.
Up to 100% LTV — conventional caps at 80%.
$0 down above conforming.
Finance repairs into your purchase.
Roll energy upgrades into the loan.
Widows and widowers of CO veterans qualify.
Zero down, no PMI, and a 100% funding-fee waiver on a home in Aurora, subject to eligibility verification and Certificate of Eligibility issuance.
Surviving spouse guideDisabled veteran? Stack the SAH grant on your Aurora purchase.
Up to $126,526 in FY 2026 toward a VA-approved plan to acquire, construct, or adapt a suitable home. VA approves eligibility and use; the grant is separate from your VA home loan.
SAH grant guideVA loans in Aurora — answered.
FHFA sets conforming loan limit values by county, not by city, and there is no single published figure for a city as such. The county we reference for Aurora is Arapahoe County (FIPS 08005), whose official 2026 one-unit value is $862,500 per the FHFA Full County Loan Limit List. County reference, not an address-based lookup. Confirm the county of the property before using this value; city and metro boundaries can cross counties. The figure only matters for remaining-entitlement calculations — with full entitlement there is no VA loan limit, subject to lender approval, ability to repay and appraised value.
BAH varies by pay grade, dependency status, and ZIP-based Military Housing Area, and DoD updates rates annually. Check your exact rate on the official DoD BAH calculator. Lenders may count BAH as qualifying income, subject to underwriting.
A VA-eligible borrower with full entitlement may be able to pursue a primary-residence purchase in Aurora with no down payment and no monthly PMI. Eligibility, credit, income, the VA appraisal, and final lender approval all apply, and closing costs and prepaids are still due.
An unremarried surviving spouse of a veteran who died in service or from a service-connected disability may qualify for the full VA benefit in Aurora — zero down, no PMI, and a 100% funding-fee waiver, subject to eligibility verification.