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VA loans in Highlands Ranch, CO

Quick answer

Eligible veterans and service members in Highlands Ranch, CO can buy with 0% down and no monthly mortgage insurance; with full entitlement there's no VA loan limit, and Douglas County's $862,500 limit applies only to partial entitlement. On the $672,600 median home, the estimated payment is $5,135/month at 7.18% including the 2.15% first-use funding fee.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsData last updated

Median household income: $155,847; value-to-income ratio 4.32. Highlands Ranch ranks 16 by home value and 13 by population among 70 places in our CO dataset.

What does a VA loan cost on a typical Highlands Ranch home?

ItemHighlands Ranch
Median home value (Census ACS)$672,600
Colorado median home value$502,200
Down payment (0%)$0
Loan incl. 2.15% funding fee$687,061
Estimated monthly payment (PITI + MI)$5,135
Income needed (28% / 36%)$221,000 / $172,000
Douglas County 2026 county limit for partial VA entitlement$862,500

Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.

Payment includes Colorado's 0.49% effective property tax rate (Census ACS), $2,492/yr homeowners insurance (NAIC state average); VA loans have no monthly mortgage insurance.

What is the 2026 VA loan limit in Highlands Ranch?

VA loans have no loan limit for borrowers with full entitlement. If part of your entitlement is tied up in another VA loan, VA uses Douglas County's 2026 conforming limit of $862,500 to calculate your zero-down maximum. The county's FHA limit is $862,500 for comparison.

The Highlands Ranch median home value of $672,600 is 34% above the Colorado median, and within what the county limit supports.

Which down payment assistance programs can Highlands Ranch buyers use?

VA loans in nearby cities

LittletonLone TreeGreenwood VillageColumbineCentennialCherry Creek

VA loan FAQs for Highlands Ranch

Not for borrowers with full entitlement. If you have an active VA loan or unrestored entitlement, Douglas County's 2026 limit of $862,500 is used to calculate how much you can borrow with no down payment.

With 0% down on $672,600, a 2.15% first-use funding fee financed brings the loan to about $687,061; the estimated payment including Colorado taxes and insurance is $5,135/month. Veterans with a service-connected disability rating are generally exempt from the fee.

At the $672,600 median value (above the Colorado median of $502,200), the estimated payment of $5,135/month at 7.18% needs about $221,000 a year under the 28% housing guideline, or $172,000 if your total debts stay under 36%.

0 city-level, 0 county-level and 2 statewide programs are verified for this city (2 total). Check each official administrator's eligibility rules and available funds.

Sources

Data last updated October 23, 2026.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.