VA loans in Colorado Springs.
The El Paso County figure on this page is a county reference only, not an address-based lookup for Colorado Springs. Confirm the property's county, and which local offices serve the address, before relying on it.
El Paso 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. · El Paso County (FIPS 08041)
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.
El Paso County carries a $832,750 one-unit conforming loan limit value for 2026, and that is the county figure we reference for Colorado Springs. 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 assumptionPikes Peak Regional Building: search permits, plans, archived permit cards and floodplain by address
The Pikes Peak Regional Building Department's public Address Search finds permits or plans by address, address range, parcel number or map location. It can also search archived permit cards and floodplain information. When the low and high address numbers match, results include Certificate of Occupancy information for that address.
An Open Permits Only filter shows permits that were never closed. Practical step: search the exact Colorado Springs address with matching numbers to see the Certificate of Occupancy date and any open permits. Ask the seller to close out open permits, or ask Regional Building what remains, before closing. Street names auto-complete, and a latitude and longitude search can show nearby permits.
El Paso County disabled veteran exemption: owned and occupied since January 1
The El Paso County Assessor says qualifying disabled veterans receive a 50% exemption on the first $200,000 of their primary residence's actual value. The exemption requires a VA-rated 100% permanent service-connected disability, or individual unemployability status. The veteran must have owned and occupied the home as a primary residence since January 1 of the year, and only one residence can be designated.
The County lists a July 1 filing deadline and says the state reimburses the County Treasurer for the lost revenue. Practical step: a veteran who closes after January 1 should confirm with the Assessor which tax year they can first claim. The page lists the Colorado Division of Veterans Affairs and the Assessor's phone line for eligibility questions.
- FHFA — Conforming loan limit values
- Pikes Peak Regional Building Department — Address Search
- El Paso County Assessor — Disabled Veteran Tax Exemption
- VA — Home loan entitlement and limits
Sources checked 2026-09-24. Educational information only, not legal, tax or underwriting advice.
Owner-occupied 2–4 units are eligible.
VA allows purchases up to four units as long as you occupy one of them. Whether any projected rental income counts toward your qualifying ratios is a lender and VA underwriting decision, not an automatic allowance. The one-unit county value above is still the figure used in entitlement calculations on a 2–4 unit property.
Run the house-hack calculatorVA loan programs available in CO.
$0 down in Colorado Springs. 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 Colorado Springs, subject to eligibility verification and Certificate of Eligibility issuance.
Surviving spouse guideDisabled veteran? Stack the SAH grant on your Colorado Springs 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 Colorado Springs — 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 Colorado Springs is El Paso County (FIPS 08041), whose official 2026 one-unit value is $832,750 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 Colorado Springs 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 Colorado Springs — zero down, no PMI, and a 100% funding-fee waiver, subject to eligibility verification.