Colorado is a heavily military state — Fort Carson, Buckley, Peterson, Schriever, and the Air Force Academy — and the VA loan is one of the best benefits out there. Here is how to use it to buy in the Denver area in 2026.
Why the VA loan is so strong
- 0% down for most eligible buyers — no down payment required.
- No monthly mortgage insurance (PMI) — a big monthly savings vs. other low-down loans.
- Competitive rates and flexible credit guidelines.
Who is eligible
Eligible veterans, active-duty service members, National Guard/Reserve members, and some surviving spouses. You will need a Certificate of Eligibility (COE) — a VA-savvy lender can pull it quickly.
The VA funding fee
Most VA loans include a one-time funding fee (which can be rolled into the loan), though some veterans — for example those with a service-connected disability rating — may be exempt. Your lender confirms your exact situation.
Using it in the Denver market
VA offers are competitive, and in today's more balanced market sellers are increasingly open to them. The key is working with an agent and lender who know VA — so the appraisal, the funding fee, and any seller concessions are handled smoothly. I work with veterans across the metro and can line up a VA-experienced lender.
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Start my VA search →Frequently asked questions
Can you buy a house in Colorado with 0% down using a VA loan?
Yes — most eligible veterans and service members can buy with no down payment and no monthly mortgage insurance using a VA loan.
Who is eligible for a VA loan in Colorado?
Eligible veterans, active-duty members, many National Guard/Reserve members, and some surviving spouses; you will need a Certificate of Eligibility, which a lender can pull.
What is the VA funding fee?
A one-time fee on most VA loans that can be rolled into the loan; some veterans, such as those with a service-connected disability rating, may be exempt.