VA Loan Limits in Florida (2026)
For 2026, the VA county loan limit for most Florida counties is $832,750 for a single-family home — but only for veterans with partial entitlement. 1 higher-cost Florida county goes above that, up to $1,249,125.
With full VA entitlement, there is no loan limit in Florida — eligible veterans buy at any price a lender approves with $0 down and no monthly mortgage insurance.
VA loan limits by county in Florida
| County | 1-Unit | 2-Unit | 4-Unit | Tier |
|---|---|---|---|---|
| Miami-Dade County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Broward County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Palm Beach County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Hillsborough County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Orange County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Duval County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Pinellas County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Lee County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Polk County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Brevard County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Pasco County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Volusia County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Seminole County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Sarasota County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Manatee County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Osceola County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Collier County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Marion County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Lake County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| St. Lucie County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Escambia County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Leon County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Alachua County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| St. Johns County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Clay County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Okaloosa County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Hernando County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Bay County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Charlotte County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Santa Rosa County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Monroe County | $967,150 | $1,238,219 | $1,860,145 | High-cost |
Florida's median home price is roughly $410,000. With $0 down and no PMI, an example VA payment near that price is about $2,989/month including the financed funding fee, taxes, and insurance.
Using your VA benefit in Florida
The VA home-loan benefit lets eligible Florida veterans, active-duty service members, and surviving spouses buy with no down payment, no monthly mortgage insurance, and competitive rates. The county limits above only matter if your entitlement is reduced — otherwise there is no cap.
VA Alerts, Free to Your Inbox
Free to join in under 30 seconds. Get notified when it is time to act on your VA benefit.
Free to join. Msg & data rates may apply; reply STOP to opt out. See our Terms & Privacy Policy.
Frequently Asked Questions
- What is the VA loan limit in Florida for 2026?
- With full entitlement, none. For partial entitlement, most Florida counties use the $832,750 conforming baseline; high-cost counties go up to $1,249,125.
- Do VA loans in Florida require a down payment or PMI?
- No. Eligible borrowers can buy with $0 down, and VA loans never charge monthly mortgage insurance.