VA Loans
VA Loans in Florida: Eligibility, Benefits, and How to Apply
A complete guide to using your VA home loan benefit in Florida — zero down, no PMI, and how the funding fee works.
Quick Answer
VA loans let eligible Florida veterans and active-duty servicemembers buy a primary residence with zero down payment, no monthly mortgage insurance, and competitive rates. The borrower pays a one-time VA funding fee (1.25%–3.3%) which can be financed into the loan and is waived for disabled veterans.
Key takeaways
- 0% down payment up to the county conforming limit.
- No private mortgage insurance — ever.
- One-time VA funding fee, waived for veterans with service-connected disability.
- Property must be the borrower's primary residence.
- Requires a Certificate of Eligibility (COE) from the VA.
Who qualifies for a VA loan in Florida
VA home loan benefits are available to active-duty servicemembers, veterans with qualifying service time, National Guard and Reserve members with six years of service, and surviving spouses of servicemembers who died in the line of duty.
VA loan benefits
The VA program is the only zero-down government loan available to most Florida buyers. There is no PMI, rates are typically lower than conventional loans, and the VA negotiates limits on closing costs the borrower can pay.
The VA funding fee
First-time VA borrowers pay a funding fee of 2.15% with zero down or 1.25% with 10% down. Subsequent use is 3.3%. The fee can be financed into the loan and is waived entirely for veterans receiving disability compensation.
Frequently asked questions
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