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VA loans in Greenwich, CT

Quick answer

Eligible veterans and service members in Greenwich, CT can buy with 0% down and no monthly mortgage insurance; with full entitlement there's no VA loan limit, and Western Connecticut Planning Region's $977,500 limit applies only to partial entitlement. On the $1,486,100 median home, the estimated payment is $12,826/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: $136,154; value-to-income ratio 10.91. Greenwich ranks 1 by home value and 29 by population among 35 places in our CT dataset.

What does a VA loan cost on a typical Greenwich home?

ItemGreenwich
Median home value (Census ACS)$1,486,100
Connecticut median home value$343,200
Down payment (0%)$0
Loan incl. 2.15% funding fee$1,518,051
Estimated monthly payment (PITI + MI)$12,826
Income needed (28% / 36%)$550,000 / $428,000
Western Connecticut Planning Region 2026 county limit for partial VA entitlement$977,500

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

Payment includes Connecticut's 1.92% effective property tax rate (Census ACS), $2,036/yr homeowners insurance (NAIC state average); VA loans have no monthly mortgage insurance.

What is the 2026 VA loan limit in Greenwich?

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 Western Connecticut Planning Region's 2026 conforming limit of $977,500 to calculate your zero-down maximum. The county's FHA limit is $977,500 for comparison.

The Greenwich median home value of $1,486,100 is 333% above the Connecticut median, and above what the county limit supports.

Which down payment assistance programs can Greenwich buyers use?

VA loans in nearby cities

StamfordNorwalkBridgeportBethelDanburyTrumbull Center

VA loan FAQs for Greenwich

Not for borrowers with full entitlement. If you have an active VA loan or unrestored entitlement, Western Connecticut Planning Region's 2026 limit of $977,500 is used to calculate how much you can borrow with no down payment.

With 0% down on $1,486,100, a 2.15% first-use funding fee financed brings the loan to about $1,518,051; the estimated payment including Connecticut taxes and insurance is $12,826/month. Veterans with a service-connected disability rating are generally exempt from the fee.

At the $1,486,100 median value (above the Connecticut median of $343,200), the estimated payment of $12,826/month at 7.18% needs about $550,000 a year under the 28% housing guideline, or $428,000 if your total debts stay under 36%.

0 city-level, 0 county-level and 1 statewide programs are verified for this city (1 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.