--- title: "VA Loan Florida: 2026 Guide | Peter White & Kate Ward" url: https://www.petekaterealestate.com/va-loan-florida description: "How VA loans work in Florida in 2026. Zero down, no PMI, funding fee rates, and Florida property tax exemptions for veterans, explained by local Realtors." lang: en --- Skip to main content Image: Florida ranch home with a palm-lined front yard and an American flag on the porch (https://www.petekaterealestate.com/assets/va-loan-hero-CpNusf9p.jpg) 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 - $0 down payment - No PMI No monthly mortgage insurance - No limit No loan limit with full entitlement - Rates Competitive interest rates ## 2026 VA Funding Fee for Purchases | Down payment | First use | Later use | | --- | --- | --- | | 0% down | 2.15% | 3.3% | | 5% to under 10% down | 1.5% | 1.5% | | 10% or more down | 1.25% | 1.25% | Veterans receiving VA disability compensation, surviving spouses receiving DIC, and active-duty Purple Heart recipients don't pay the funding fee. ## Florida Property Tax Breaks for Veterans - ### 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 (https://www.petekaterealestate.com/save-our-homes-florida) page. ## Things to Know in Florida - ### 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 (https://www.petekaterealestate.com/hometown-heroes-port-st-lucie) may also help with down payment or closing costs. Compare more loan types on our Financing Options (https://www.petekaterealestate.com/financing-options) page, or see this week's mortgage rates (https://www.petekaterealestate.com/mortgage-rates-treasure-coast). ## VA Loan FAQs 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. ## Talk to Peter and Kate. 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. Peter White 772-284-1419: +17722841419 Kate Ward 772-342-4006: +17723424006 The McKinney Team | REMAX Gold ## Structured data ```json [ { "@context": "https://schema.org", "@graph": [ { "@type": "RealEstateAgent", "@id": "https://www.petekaterealestate.com/#real-estate-agent", "name": "Peter White & Kate Ward, The McKinney Team | REMAX Gold", "url": "https://www.petekaterealestate.com", "telephone": "772-284-1419", "address": { "@type": "PostalAddress", "streetAddress": "140 NW California Blvd", "addressLocality": "Port St. Lucie", "addressRegion": "FL", "postalCode": "34986", "addressCountry": "US" }, "areaServed": [ { "@type": "City", "name": "Vero Beach" }, { "@type": "City", "name": "Sebastian" }, { "@type": "City", "name": "Fort Pierce" }, { "@type": "City", "name": "Port St. Lucie" }, { "@type": "City", "name": "Stuart" }, { "@type": "City", "name": "Jensen Beach" }, { "@type": "City", "name": "Palm City" }, { "@type": "City", "name": "Hobe Sound" }, { "@type": "City", "name": "Indiantown" } ], "employee": [ { "@id": "https://www.petekaterealestate.com/#peter-white" }, { "@id": "https://www.petekaterealestate.com/#kate-ward" } ] }, { "@type": "Person", "@id": "https://www.petekaterealestate.com/#peter-white", "name": "Peter White", "jobTitle": "Realtor", "telephone": "772-284-1419", "worksFor": { "@type": "Organization", "name": "REMAX Gold" } }, { "@type": "Person", "@id": "https://www.petekaterealestate.com/#kate-ward", "name": "Kate Ward", "jobTitle": "Broker Associate", "telephone": "772-342-4006", "worksFor": { "@type": "Organization", "name": "REMAX Gold" } } ] }, { "@context": "https://schema.org", "@type": "WebSite", "name": "Peter White & Kate Ward, The McKinney Team | REMAX Gold", "url": "https://www.petekaterealestate.com" }, { "@context": "https://schema.org", "@type": "BreadcrumbList", "itemListElement": [ { "@type": "ListItem", "position": 1, "name": "Home", "item": "https://www.petekaterealestate.com/" }, { "@type": "ListItem", "position": 2, "name": "Financing Options", "item": "https://www.petekaterealestate.com/financing-options" }, { "@type": "ListItem", "position": 3, "name": "VA Loans in Florida", "item": "https://www.petekaterealestate.com/va-loan-florida" } ] }, { "@context": "https://schema.org", "@type": "FAQPage", "mainEntity": [ { "@type": "Question", "name": "Do I need a down payment for a VA loan in Florida?", "acceptedAnswer": { "@type": "Answer", "text": "No, with full entitlement." } }, { "@type": "Question", "name": "Is there a VA loan limit in Florida?", "acceptedAnswer": { "@type": "Answer", "text": "Not with full entitlement. With partial entitlement, the 2026 county limit on the Treasure Coast is $832,750." } }, { "@type": "Question", "name": "Can I use a VA loan more than once?", "acceptedAnswer": { "@type": "Answer", "text": "Yes. The funding fee is higher on later use with 0% down." } }, { "@type": "Question", "name": "Do disabled veterans pay property tax in Florida?", "acceptedAnswer": { "@type": "Answer", "text": "Veterans rated 100% permanent and total pay $0 on their homestead." } } ] } ] ```