VA loans in Florida — earned, not given.
Zero down, no PMI, and competitive rates for veterans, active duty, and surviving spouses across Florida.
Why Florida veterans use VA financing
- 0% down payment on a Florida primary residence
- No monthly mortgage insurance (PMI)
- Competitive rates — typically 0.25–0.5% below conventional
- Flexible credit guidelines (we work with scores down to 580)
- Reusable benefit — restore entitlement after selling
- Seller can pay up to 4% in concessions plus all closing costs
Florida military bases we serve
Florida is one of the largest VA loan markets in the country. We work with active duty, transitioning service members, and veterans at every major Florida installation.
NAS Pensacola
Major Navy aviation hub driving strong VA volume across Escambia and Santa Rosa counties — Pensacola, Gulf Breeze, Pace, and Milton.
NAS Jacksonville
One of the largest Navy installations in the Southeast — heavy VA purchase activity in Orange Park, Mandarin, Middleburg, and the Jacksonville Beaches.
MacDill AFB (Tampa)
Home to CENTCOM and SOCOM. Active duty and retiring officers buy heavily in South Tampa, Brandon, Riverview, and Apollo Beach.
Patrick SFB (Cocoa Beach)
Space Force installation on the Space Coast — drives VA volume in Satellite Beach, Indian Harbour Beach, Melbourne, and Cocoa.
Eglin AFB (Fort Walton Beach)
Largest Air Force base by area — supports VA buyers in Niceville, Crestview, Destin, and Fort Walton Beach.
2026 Florida VA loan limits
Veterans with full VA entitlement can borrow above the conforming limit with $0 down on most VA investors. The 2026 conforming/high-balance limit in standard Florida counties is $806,500, Monroe County (the Keys) is $1,149,825, and Collier County is $730,525.
Need to borrow above your county limit? We have VA jumbo investors that go well above conforming with reasonable down payment requirements (often 25% of the amount above the limit, not the full purchase price).
Florida cities we serve
Florida VA loan FAQs
Can I use a VA loan anywhere in Florida?+
Yes — VA loans are available on eligible primary residences across every Florida county, from the Panhandle to the Keys. The only restriction is that the property must be your primary residence and meet VA's minimum property requirements (MPR).
Is there a VA loan limit in Florida?+
Veterans with full entitlement have no VA loan limit in Florida — you can borrow above the conforming limit with $0 down on most lenders. The 2026 conforming/high-balance limit in standard Florida counties is $806,500, with Monroe County (the Keys) at $1,149,825 and Collier County at $730,525 (high-balance applies in select counties).
Can I use a VA loan for a Florida vacation home?+
No — VA loans require primary residence occupancy. But Florida is full of PCS moves: many active-duty buyers purchase with VA, live in the home, and later convert it to a rental when they receive orders. You can also buy a 2–4 unit property as long as you occupy one unit.
Can active duty stationed at MacDill use a VA loan?+
Yes — MacDill AFB is one of our most active VA markets. We routinely work with active-duty service members at MacDill buying in South Tampa, Brandon, Riverview, and Apollo Beach with $0 down. We can pull your Certificate of Eligibility (COE) and price multiple VA investors on day one.
Are sellers in Florida open to VA offers?+
Yes. The myth that sellers won't accept VA is outdated — especially in markets near MacDill, NAS Jax, NAS Pensacola, Patrick SFB, and Eglin. A strong VA pre-approval and a 21–25 day close are very competitive in today's Florida market.
Is there a VA funding fee?+
Yes — typically 2.15% on first use and 3.3% on subsequent use, financed into the loan. Veterans with a service-connected disability rating are exempt from the funding fee entirely.
Use your VA benefit in Florida
Free pre-approval, no obligation. We'll pull your COE and price multiple VA investors.