Skip to Content

Florida VA Loans

Deciding to purchase a house in beautiful and sunny Florida is exciting, but a huge financial decision. However, with the unique benefits provided by the VA loan, your dream of homeownership just got that much easier.

Published on January 7, 2021

With the average listing price of a home in Florida landing at $658,984 the VA loan’s signature $0-money-down benefit is a considerable advantage for Florida homebuyers.

See also: VA Loan Options for Other States

How to get a VA Loan in Florida

VA loans are made by private lenders and guaranteed by the Department of Veterans Affairs. Because private lenders make the loans and not the VA, you need to find a lender licensed in the state you plan to purchase or refinance.

For example, if you're purchasing a home in Jacksonville, FL, you'll need to find a lender licensed in Florida to do the loan.

Our Lender
Veterans United Home Loans is a VA approved lender; Mortgage Research Center, LLC – NMLS #1907 (www.nmlsconsumeraccess.org). Not affiliated with the Dept. of Veterans Affairs or any government agency. Not available in NV. 1400 Veterans United Dr., Columbia, MO 65203. Equal Housing Lender

Other Considerations for Getting a VA Loan in Florida

VA borrowers in Florida should also consider the cost and impact of VA loan limits and property taxes when making their home purchase.

Florida VA Loan Limits

As of January 1, 2020, VA borrowers in Florida with their full VA loan entitlement are not restricted by VA loan limits. This means you can borrow as much as a lender is willing to lend without needing a down payment.

However, veterans without their full VA loan entitlement are still bound to Florida’s VA loan limits.

As of Jan 1, 2021, VA loan limits for all counties in Florida are $548,250.

Property Taxes in Florida

Another consideration for VA buyers in Florida is property taxes. For certain VA buyers, there are exemptions.

You may be eligible for a property tax exemption in Florida if you meet one of the following condition:

  • If you are a 10% or more disabled veteran as a result of service, you may receive a property tax exemption of $5,000 on any property you own.
  • If you are a 100% disabled veteran as a result of service, you may receive a full property tax exemption.
  • The homestead exemptions exist for veterans over 65 years of age and surviving spouses.

If you are required to pay property tax in Florida, the American Community Survey by the U.S. Census Bureau estimates you may pay the following in each county:

blank
County Property Tax Rate
Alachua 1.18%
Baker 0.85%
Bay 0.69%
Bradford 0.84%
Brevard 0.86%
Broward 1.07%
Calhoun 0.65%
Charlotte 1.00%
Citrus 0.78%
Clay 0.85%
Collier 0.69%
Columbia 1.01%
DeSoto 1.28%
Dixie 0.73%
Duval 0.94%
Escambia 0.79%
Flagler 0.90%
Franklin 0.56%
Gadsden 0.87%
Gilchrist 0.82%
Glades 1.08%
Gulf 0.60%
Hamilton 1.01%
Hardee 1.02%
Hendry 1.19%
Hernando 0.87%
Highlands 0.91%
Hillsborough 0.98%
Holmes 0.64%
Indian River 0.81%
Jackson 0.60%
Jefferson 0.90%
Lafayette 0.75%
Lake 0.93%
Lee 0.95%
Leon 0.97%
Levy 0.77%
Liberty 1.03%
Madison 0.91%
Manatee 0.86%
Marion 0.95%
Martin 0.94%
Miami-Dade 0.97%
Monroe 0.67%
Nassau 0.80%
Okaloosa 0.70%
Okeechobee 1.20%
Orange 0.96%
Osceola 0.90%
Palm Beach 1.06%
Pasco 0.90%
Pinellas 0.90%
Polk 0.86%
Putnam 1.10%
Santa Rosa 0.73%
Sarasota 0.84%
Seminole 0.88%
St. Johns 0.96%
St. Lucie 1.18%
Sumter 0.93%
Suwannee 0.95%
Taylor 0.92%
Union 0.76%
Volusia 0.94%
Wakulla 0.76%
Walton 0.53%
Washington 0.63%

How VA Loans Work in Florida

View the graphic below to learn more about how VA loans work in Florida.

How Florida VA Loans work How Florida VA Loans work How Florida VA Loans work
START HERE: $0 Down VA Home Loans
Our Lender
Veterans United Home Loans is a VA approved lender; Mortgage Research Center, LLC – NMLS #1907 (www.nmlsconsumeraccess.org). Not affiliated with the Dept. of Veterans Affairs or any government agency. Not available in NV. 1400 Veterans United Dr., Columbia, MO 65203. Equal Housing Lender