Florida VA Loans

VA loans in Florida come with zero down payment, no PMI, and the best rates available — exclusively for Florida veterans, active-duty military, and eligible surviving spouses.

Key Features

• $0 down payment — 100% financing
• No private mortgage insurance (PMI) ever
• Lowest interest rates of any loan program
• No maximum loan amount (VA guaranty covers up to $832,750)
• VA funding fee can be financed into the loan
• Seller can contribute up to 4% toward closing costs
• No prepayment penalty
• Disability-exempt veterans pay $0 funding fee

Who Is This For?

• Active-duty military (90+ days of service)
• Veterans (discharge other than dishonorable)
• National Guard and Reserve members (6+ years or 90 days active)
• Surviving spouses of service members who died in service or from service-connected disability

VA loans in Florida: state-specific considerations

• Florida has no state income tax — VA disability benefits are tax-free federally AND at state level
• Florida homestead exemption saves up to $50,000 on property taxes
• Disabled veterans may qualify for additional FL property tax exemptions (up to 100% exemption)
• Florida VA loan limits: $832,750 in most counties (higher in some)
• Florida Hometown Heroes can be used alongside VA loans for closing cost help
• Wind mitigation inspection can save 20-50% on FL homeowners insurance

How to qualify for VA loans in Florida

Eligibility starts with your Certificate of Eligibility. The VA issues it from your service record, so you can request it yourself through the VA’s official COE request page, or we can pull it for you during pre-qualification.

After that, the underwriting looks different from a conventional file. The VA sets no minimum credit score, although most lenders still want 580 or better. Similarly, there is no debt-to-income ceiling. However, residual income matters instead. In other words, the VA checks what you have left each month after the mortgage, taxes, insurance and other debts. That threshold shifts with family size and region.

The appraisal surprises most Florida buyers. Besides value, a VA appraiser checks the property against the VA’s minimum property requirements. In this state that usually means the roof and any wind damage. Therefore a roof with under three years of life left needs attention before you close.