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VA loans in Florida

Quick answer

VA loans in Florida let eligible veterans and service members buy with 0% down and no monthly mortgage insurance. With full entitlement there's no VA loan limit; a one-time funding fee applies unless exempt.

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

VA loan snapshot for Florida

ItemEstimate
Minimum down payment0%
Minimum credit scoreNo VA minimum (lenders often 580–620)
Typical FL home value$325,000
3.5% down on typical home$11,375
20% down on typical home$65,000
Avg. effective property tax0.79%/yr (~$213/mo)
Income for typical home (31% rule)$101,000

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

Which Florida programs pair with VA loans?

  • Florida Assist: A 0% deferred second mortgage for down payment and closing costs, repaid when you sell, refinance or pay off the first loan.
  • HFA Preferred/Advantage PLUS: A first mortgage paired with a forgivable second mortgage based on a percentage of the loan.
  • Hometown Heroes: When funded, assistance for eligible full-time workers in Florida-based occupations.

Details and current limits: Florida Housing Finance Corporation.

Who is eligible for a VA loan?

  • Veterans who meet minimum service requirements (commonly 90 consecutive days in wartime or 181 days in peacetime).
  • Active-duty service members after 90 continuous days.
  • National Guard and Reserve members with 6 years of service, or 90 days of active-duty service under Title 10/32.
  • Surviving spouses of service members who died in service or from a service-connected disability (in many cases).

What is the VA funding fee?

The fee can be financed into the loan. Veterans receiving VA disability compensation, and some others, are exempt. Fees shown are for purchase loans and may change.

Down paymentFirst useSubsequent use
Less than 5%2.15%3.3%
5% to under 10%1.5%1.5%
10% or more1.25%1.25%

VA loans in Florida cities

VA in JacksonvilleVA in MiamiVA in TampaVA in OrlandoVA in St. PetersburgVA in HialeahVA in Port St. LucieVA in Cape CoralVA in TallahasseeVA in Fort LauderdaleVA in Pembroke PinesVA in HollywoodVA in GainesvilleVA in MiramarVA in Coral SpringsVA in Lehigh AcresVA in Palm BayVA in West Palm BeachVA in Spring HillVA in ClearwaterVA in LakelandVA in BrandonVA in Pompano BeachVA in Miami GardensVA in RiverviewVA in DavieVA in Boca RatonVA in SunriseVA in DeltonaVA in Palm CoastVA in PlantationVA in Fort MyersVA in AlafayaVA in Deerfield BeachVA in Town 'n' CountryVA in MelbourneVA in LargoVA in Pine HillsVA in The VillagesVA in Miami BeachVA in HomesteadVA in Boynton BeachVA in North PortVA in KissimmeeVA in KendallVA in DoralVA in Daytona BeachVA in LauderhillVA in Wesley ChapelVA in TamaracVA in PoincianaVA in WestonVA in Delray BeachVA in Port CharlotteVA in OcalaVA in Port OrangeVA in SanfordVA in Horizon WestVA in St. CloudVA in Wellington

Frequently asked questions

Yes. VA loans are available statewide in Florida through approved lenders, subject to county loan limits where they apply.

Often yes. Florida Housing Finance Corporation and local programs frequently pair assistance with FHA, conventional, VA or USDA first mortgages. Eligibility depends on income, price and program rules.

Answer a few questions on Purchase Mortgage Loan and we'll match you with lenders and loan officers in our network who serve Florida.

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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.