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Florida VA Home Loan Limits

florida va home loan

A state with a diverse history and varied population; the first inhabitants of the peninsula date back over 14,000 years. In 1514, Ponce de Leon of Spain led the first European expedition of Florida. In the ensuing years, Florida traded hands between the Spanish, French, British and Americans several times, leading to numerous cultural influences throughout the area that are obvious to this day. The territory was ceded to the U.S. from Spain in 1821 after it was determined a drain on resources. Made into an American territory in 1822, Florida was granted statehood in 1845, becoming the nation’s 27th state. The nineteenth-century population of Florida was roughly half enslaved African-Americans, who were working on plantations, cultivating cotton and sugar. The state is also famous for housing marooned Africans, living freely at the same time. These enclaves became known as the Black Seminoles. The state’s population under went further diversification as a result of the Cuban Revolution in 1959, which led to an influx of Cuban migration to southern Florida.

Today the population of Florida, which exceeds 18 million, is 23 percent Hispanic and 16 percent African-American. The economy, which has shifted many times since its inception; driven by the nineteen metropolitan areas falling within the states boundary, tourism, biomedical, life sciences, health-care research and retirement are the state’s most prominent industries.

The veteran population of the state is roughly 1.5 million, ranking it with California and Texas as the states with the highest concentration of veterans.

Bordered by the Gulf of Mexico and the Atlantic Ocean, Florida is the 4th most populous state in the country. With 237 sunny days a year, tropical weather, and pristine beaches, residents often say, “Florida has it all.” For many people, living in Florida is like being on vacation every day. In addition to the stunning natural beauty of the state, there are also several major metropolitan areas, including Jacksonville, Miami, Orlando and Tampa.

Popular tourist destinations in the state include the Walt Disney World Resort, Universal Orland Resort, Busch Gardens, and SeaWorld. Approximately 60 million tourists travel to Florida annually.

A great place to purchase a home using a VA home loan, Florida provides property tax exemptions to disabled veterans meeting certain criteria. A $5,000 exemption is available to veterans with a service-related disability of 10 percent or more. Those who suffer a permanent and complete disability are entitled to a total exemption.

The cost of living in the Sunshine State is 1.3 percent lower than that of the national Average. The unemployment rate of 5.7 percent is also below the American average, and the state has experienced job growth of over three percent.

Flordia is an appealing destination for veteran homeowners because of the array of great deals that can be found on properties, including short sale and foreclosed homes. If you’re planning to buy a home in Florida using a VA home loan, a termite inspection is required. Heating systems are not required in a number of the south Florida counties, including Broward, Charlotte, Collier, Dad, Glades, Hendry, Lee, Martin, Monroe and Palm Beach. Additional guidelines include the fact that Staff Appraisal Reviewers can change the appraiser’s estimate of value (but rarely will), and refinancing of new construction condominiums may not be eligible. Buying a new construction condo is permitted, but the condo has to be approved by the VA and the borrower can’t receive a gift, grant, down payment assistance or a loan from a family member to cover closing costs. Attached new construction PUDs are also required to meet a 50 percent presale requirement.

Apply for a VA home loan in the state of Florida here!

florida navy air force base


Florida Home Loan Limit Information

To find out the exact dollar amount you qualify for, call the Florida VA Home Loan Centers Applications Support Desk at 888-573-4496 or fill out the VA Home Loan Application located here.

The loan limits below are the maximum 2021, $0 down VA loan amount set for each county. Although there is no maximum loan amount, the maximum no money down VA home loan limits are stated as follows.

  1. Alachua County: $548,250
  2. Baker County: $548,250
  3. Bay County: $548,250
  4. Bradford County: $548,250
  5. Brevard County: $548,250
  6. Broward County: $548,250
  7. Calhoun County: $548,250
  8. Charlotte County: $548,250
  9. Citrus County: $548,250
  10. Clay County: $548,250
  11. Collier County: $548,250
  12. Columbia County: $548,250
  13. Desoto County: $548,250
  14. Dixie  County: $548,250
  15. Duval County: $548,250
  16. Escambia County: $548,250
  17. Flagler County: $548,250
  18. Franklin County: $548,250
  19. Gadsden County: $548,250
  20. Gilchrist County: $548,250
  21. Glades County: $548,250
  22. Gulf  County: $548,250
  23. Hamilton County: $548,250
  24. Hardee County: $548,250
  25. Hendry County: $548,250
  26. Hernando County: $548,250
  27. Highlands County: $548,250
  28. Hillsborough County: $548,250
  29. Holmes County: $548,250
  30. Indian River County: $548,250
  31. Jackson County: $548,250
  32. Jefferson County: $548,250
  33. Lafayette County: $548,250
  34. Lake County: $548,250
  35. Lee County: $548,250
  36. Leon County: $548,250
  37. Levy County: $548,250
  38. Liberty County: $548,250
  39. Madison County: $548,250
  40. Manatee County: $548,250
  41. Marion County: $548,250
  42. Martin County: $548,250
  43. Miami-Dade County: $548,250
  44. Monroe County: $608,350
  45. Nassau County: $548,250
  46. Okaloosa County: $548,250
  47. Okeechobee County: $548,250
  48. Orange County: $548,250
  49. Osceola County: $548,250
  50. Palm Beach County: $548,250
  51. Pasco County: $548,250
  52. Pinellas County: $548,250
  53. Polk County: $548,250
  54. Putnam County: $548,250
  55. Santa Rosa County: $548,250
  56. Sarasota County: $548,250
  57. Seminole County: $548,250
  58. St. Johns County: $548,250
  59. St. Lucie County: $548,250
  60. Sumter County: $548,250
  61. Suwannee County: $548,250
  62. Taylor County: $548,250
  63. Union County: $548,250
  64. Volusia County: $548,250
  65. Wakulla County: $548,250
  66. Walton County: $548,250
  67. Washington County: $548,250

Military Bases In Florida

There are over 20 military installations in the state of Florida.

They include:

  • Atlantic Undersea Test and Evaluation Center (AUTEC)
  • Blount Island Command
  • Camp Blanding
  • Corry Station Naval Technical Training Center
  • Eglin Air Force Base
  • Hurlburt Field
  • Integrated Support Command (ISC) Miami
  • MacDill Air Force Base
  • Naval Support Activity Panama City
  • Naval Warfare Center
  • Naval Air Station Jacksonville
  • Naval Air Station Key West
  • Naval Air Station Pensacola
  • Naval Air Station Whiting Field
  • Naval Station Mayport
  • Naval Hospital Jacksonville
  • Patrick Air Force Base
  • Tyndall Air Force Base
  • USCG Air Station Clearwater
  • USCG Auxiliary 7th District