Treasure Coast home loans

VA Loans in Florida

Thank you for your service. Here's how to use your VA benefit to buy on the Treasure Coast.

VA at a Glance

Veterans receiving VA disability compensation, surviving spouses receiving DIC, and active-duty Purple Heart recipients don't pay the funding fee.

100% permanent and total disability
Full exemption on your homestead property taxes.
10%+ service-connected disability
$5,000 off assessed value.
Age 65+ with a combat-related disability
Tax discount equal to your disability percentage.
Surviving spouses
Unremarried surviving spouse of a 100% P&T veteran keeps the full exemption.
Apply by March 1
Apply with your county property appraiser by March 1. Bring your VA rating letter and DD-214.

See how the homestead cap works on our Save Our Homes page.

Condos need VA approval
Condos must be VA-approved.
VA appraisal
The VA appraisal checks condition and safety (minimum property requirements).
Seller help with costs
Sellers can contribute toward closing costs, and VA limits some seller concessions to 4%.
Hometown Heroes
Florida Hometown Heroes may also help with down payment or closing costs.

Compare more loan types on our Financing Options page, or see this week's mortgage rates.

Do I need a down payment for a VA loan in Florida?

No, with full entitlement.

Is there a VA loan limit in Florida?

Not with full entitlement. With partial entitlement, the 2026 county limit on the Treasure Coast is $832,750.

Can I use a VA loan more than once?

Yes. The funding fee is higher on later use with 0% down.

Do disabled veterans pay property tax in Florida?

Veterans rated 100% permanent and total pay $0 on their homestead.

We're Realtors, not lenders. Confirm your eligibility and benefits with a licensed VA lender and your county property appraiser.

Buying with your VA benefit? We'll connect you with VA-savvy local lenders and help you find a home that passes the VA appraisal.

The McKinney Team | REMAX Gold