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VA loans allow you to buy a Florida home with $0 down payment. The only other 0% down program (USDA) has strict rural location rules.
Enter your numbers. We’ll show your full VA payment with the 2026 funding fee, Florida taxes, and insurance — and no PMI, because VA loans don’t need it. Then talk to a Florida VA specialist.
VA loans aren’t just another government-backed mortgage. They’re structured to give veterans and active-duty service members real cost advantages no other program can match.
VA loans allow you to buy a Florida home with $0 down payment. The only other 0% down program (USDA) has strict rural location rules.
No private mortgage insurance — ever — regardless of down payment. Saves $150–$220 a month on a typical $400,000 loan.
One-time fee instead of monthly mortgage insurance. 2.15% for first-time use with $0 down. Waived if you have a 10%+ disability rating.
The calculator pulls the right funding fee from the VA fee schedule (unchanged for 2026) based on your inputs.
Full entitlement veterans have no loan limit — borrow what you qualify for.
Or any amount. 5% or 10% down lowers your funding fee — the calculator updates it.
A 10%+ service-connected disability rating waives the funding fee entirely. Saves $5k–$10k.
Subsequent VA loans (using your benefit again) carry a higher fee than first use.
Florida has one of the largest veteran populations in the country — over 1.4 million veterans, plus active-duty members at MacDill, Jacksonville Naval Station, and more.
If you have full VA entitlement (no other active VA loan, no prior VA default), there is no maximum loan amount. Buy a $300,000 condo in Tampa or a $1.2M house in Boca — both work with $0 down.
Partial entitlement caps you at the 2026 conforming limit of $832,750. The calculator doesn’t enforce this since most buyers have full entitlement.
Florida insurance is brutal — two to four times the national average. VA underwriters know this and consider it in your residual income calculation. We’ve been writing Florida VA loans since 1987.
Schedule unchanged since April 2023, still in effect for 2026. Most first-time buyers with $0 down pay 2.15%. Disabled veterans pay zero. Starting in 2026, the fee is also tax deductible.
2026 funding fee schedule · First vs subsequent use · Disability exemption · Florida tax + insurance · HOA
If you have VA eligibility, it’s almost always the best deal — here’s the side-by-side proof.
| Loan Type | Min Down | Min Credit | Mortgage Insurance | Best For |
|---|---|---|---|---|
| VA | 0% | 580–620 | None — funding fee instead | Active-duty, veterans, surviving spouses |
| FHA | 3.5% | 580 | UFMIP 1.75% + 0.55% annual | Lower credit, no military eligibility |
| Conventional | 3% | 620 | PMI drops at 78% LTV | 680+ credit, 5%+ down |
| USDA | 0% | 640 | 1% guarantee + 0.35% annual | Eligible rural Florida areas |
| VA Jumbo | 0% | 640–680 | None | Full-entitlement veterans buying high-value homes |
| VA + DPA | 0% | 640 | None | Veterans needing closing-cost help |
VA almost always wins when you’re eligible. We’ll confirm your entitlement and run the side-by-side based on your numbers.
Confirm My VA EligibilityHonest answers about how VA pricing actually works — and how to use your earned benefit fully.
Alex Doce will pull your Certificate of Eligibility on the call and tell you exactly what you qualify for. No credit pull until you say so.
Talk to a Florida VA SpecialistA 10-minute call pulls your Certificate of Eligibility, locks a real VA rate, and gets you a 24-hour pre-approval letter. No obligation. No credit pull until you say so.