VA loans in Denver.
The City and County of Denver handles the permits and property tax records described below. The FHFA figure on this page is the Denver County value. Suburbs outside Denver use their own county offices and permits.
Denver 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. · Denver County (FIPS 08031)
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.
Denver County carries a $862,500 one-unit conforming loan limit value for 2026, and that is the county figure we reference for Denver. 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 assumptionDenver homeowner permits: single-family only, owner-residents, one year of occupancy
The City and County of Denver lets owners of single-family homes apply for residential permits without a contractor, but not for work on ADUs, townhomes, condos or duplexes, even the unit they live in. Applicants must be the legal owner and resident, show a photo ID matching the Assessor's records, and cannot hold the permit through a trust, LLC or corporation.
Electrical, plumbing and HVAC work requires passing an exam, and owners must occupy the home for at least one year after completion. Practical step: if a Denver seller did their own work, ask whether it was permitted under this path and inspected. Owners may act as their own general contractor and hire licensed subcontractors, who pull their own trade permits.
Denver property search: tax, assessment and extra district charges
Denver's Assessment and Taxation System lets anyone search property assessment and tax data by address, Parcel ID or schedule number, and compare sold properties. The City notes that the annual tax lien sale happens in October or November, and additional amounts may then be due that the site does not show.
From December into early January, while the tax roll is finalized, the City says properties may be subject to maintenance district fees, service lien fees and business improvement fees that may not appear online. Practical step: for a late-year closing, call the Treasury Division for the exact amount due. The City says the data is updated daily but carries no warranty.
- FHFA — Conforming loan limit values
- City and County of Denver — Applying for Permits as a Homeowner
- City and County of Denver — Property Search
- 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 Denver. 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 Denver, subject to eligibility verification and Certificate of Eligibility issuance.
Surviving spouse guideDisabled veteran? Stack the SAH grant on your Denver 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 Denver — 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 Denver is Denver County (FIPS 08031), 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 Denver 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 Denver — zero down, no PMI, and a 100% funding-fee waiver, subject to eligibility verification.