Veterans with full entitlement have no VA loan limit in Colorado. With reduced entitlement, 2026 county limits in Colorado range from $832,750 to $1,249,125 (Eagle County).
How VA limits work
Since 2020, the VA does not cap loans for borrowers with full entitlement. If you have an active VA loan, or a past one whose entitlement wasn’t restored (reduced entitlement), the VA guarantees up to 25% of the county limit minus the entitlement already used. Above that, you may need a down payment.
2026 county limits in Colorado (reduced entitlement)
| County | VA / conforming limit | FHA limit |
|---|---|---|
| Eagle County | $1,249,125 | $1,249,125 |
| Garfield County | $1,209,750 | $1,249,125 |
| Pitkin County | $1,209,750 | $1,249,125 |
| Lake County | $1,092,500 | $1,092,500 |
| Summit County | $1,092,500 | $1,092,500 |
| Moffat County | $1,089,050 | $1,089,050 |
| Routt County | $1,089,050 | $1,089,050 |
| San Miguel County | $994,750 | $1,045,350 |
| Grand County | $883,200 | $883,200 |
| Boulder County | $879,750 | $879,750 |
| Adams County | $862,500 | $862,500 |
| Arapahoe County | $862,500 | $862,500 |
| Broomfield County | $862,500 | $862,500 |
| Clear Creek County | $862,500 | $862,500 |
| Denver County | $862,500 | $862,500 |
| Douglas County | $862,500 | $862,500 |
| Elbert County | $862,500 | $862,500 |
| Gilpin County | $862,500 | $862,500 |
| Jefferson County | $862,500 | $862,500 |
| Park County | $862,500 | $862,500 |
| Alamosa County | $832,750 | $541,287 |
| Archuleta County | $832,750 | $541,287 |
| Baca County | $832,750 | $541,287 |
| Bent County | $832,750 | $541,287 |
| Chaffee County | $832,750 | $713,000 |
| Cheyenne County | $832,750 | $541,287 |
| Conejos County | $832,750 | $541,287 |
| Costilla County | $832,750 | $541,287 |
| Crowley County | $832,750 | $541,287 |
| Custer County | $832,750 | $541,287 |
| Delta County | $832,750 | $541,287 |
| Dolores County | $832,750 | $541,287 |
| El Paso County | $832,750 | $541,650 |
| Fremont County | $832,750 | $541,287 |
| Gunnison County | $832,750 | $747,500 |
| Hinsdale County | $832,750 | $563,500 |
| Huerfano County | $832,750 | $541,287 |
| Jackson County | $832,750 | $541,287 |
| Kiowa County | $832,750 | $541,287 |
| Kit Carson County | $832,750 | $541,287 |
| La Plata County | $832,750 | $747,500 |
| Larimer County | $832,750 | $634,800 |
| Las Animas County | $832,750 | $541,287 |
| Lincoln County | $832,750 | $541,287 |
| Logan County | $832,750 | $541,287 |
| Mesa County | $832,750 | $541,287 |
| Mineral County | $832,750 | $541,287 |
| Montezuma County | $832,750 | $541,287 |
| Montrose County | $832,750 | $541,287 |
| Morgan County | $832,750 | $541,287 |
| Otero County | $832,750 | $541,287 |
| Ouray County | $832,750 | $750,950 |
| Phillips County | $832,750 | $541,287 |
| Prowers County | $832,750 | $541,287 |
| Pueblo County | $832,750 | $541,287 |
| Rio Blanco County | $832,750 | $541,287 |
| Rio Grande County | $832,750 | $541,287 |
| Saguache County | $832,750 | $541,287 |
| San Juan County | $832,750 | $541,287 |
| Sedgwick County | $832,750 | $541,287 |
| Teller County | $832,750 | $541,650 |
| Washington County | $832,750 | $541,287 |
| Weld County | $832,750 | $575,000 |
| Yuma County | $832,750 | $541,287 |
Source: FHFA 2026 conforming loan limits, which the VA uses as county limits; HUD CY2026 FHA limits. Not lending advice.
Frequently asked questions
Is there a VA loan limit in Colorado?
Veterans with full entitlement have no VA loan limit in Colorado. With reduced entitlement, 2026 county limits in Colorado range from $832,750 to $1,249,125 (Eagle County).
What is the maximum VA loan for 2026?
No maximum with full entitlement. With reduced entitlement, the baseline county limit is $832,750, higher in high-cost counties.