VA home loans in Florida
How veterans and service members in Florida can buy with $0 down, no monthly PMI, and help from a local-market VA lender.
Updated September 29, 2026 · By the Digital Mortgage, LLC VA lending team
Digital Mortgage, LLC (NMLS #1796745) helps veterans, active-duty service members, and eligible surviving spouses buy homes in Florida with a VA-backed mortgage. We serve buyers in Jacksonville, Pensacola, Fort Walton Beach, Niceville, Tampa, Orlando, Melbourne and statewide.
Why Florida veterans choose a VA loan
- $0 down for eligible borrowers with full entitlement, subject to credit approval.
- No monthly mortgage insurance (PMI), unlike most FHA and low-down-payment conventional loans.
- No VA loan limit with full entitlement. Your lender decides how much you can afford based on income, credit, and the appraisal (see VA loan limits for 2026).
- Limits on closing costs and the ability for sellers to contribute toward your costs.
- Reusable. Many veterans use the benefit again for their next home.
Military communities we serve in Florida
We work with buyers near Naval Air Station Jacksonville, Naval Station Mayport, NAS Pensacola, Eglin AFB, Hurlburt Field, MacDill AFB (Tampa) and Patrick Space Force Base. Whether you're PCSing in, separating, or retiring near your last duty station, we can help you line up a pre-approval before you arrive.
Florida property tax benefits for disabled veterans
Under Florida Statute 196.081, homestead property owned by an honorably discharged veteran with a service-connected total and permanent disability is exempt from property taxes, and the benefit can pass to a surviving spouse, according to Florida Department of Revenue. Apply with your county property appraiser.
How to get a VA loan in Florida
- Check eligibility. Fill out our 60-second form. It does not affect your credit.
- Get your Certificate of Eligibility. We can usually request it for you online (how the COE works).
- Get pre-approved so your offer is taken seriously.
- Find your home and close. We coordinate with your agent, the VA appraiser, and title.
What does a VA loan cost?
Most VA purchase loans include a one-time VA funding fee that can be rolled into the loan. Veterans receiving VA disability compensation are generally exempt.
| Down payment | First use | After first use |
|---|---|---|
| Less than 5% | 2.15% | 3.3% |
| 5% or more | 1.5% | 1.5% |
| 10% or more | 1.25% | 1.25% |
Frequently asked questions
Who offers VA home loans in Florida?
Digital Mortgage, LLC (NMLS #1796745) offers VA purchase loans to eligible veterans, service members, and surviving spouses throughout Florida. Call (803) 490-7312 or use the eligibility form at digitalmortgageva.com.
Can I buy a home in Florida with $0 down using a VA loan?
Yes. Eligible borrowers with full VA entitlement may be able to buy with no down payment, subject to credit approval, the appraisal, and program guidelines.
Is there a VA loan limit in Florida for 2026?
Veterans with full entitlement have no VA loan limit. If you have entitlement tied up in another VA loan, the county conforming loan limit (a $832,750 baseline in most counties for 2026) is used to figure your remaining entitlement.
What credit score do I need for a VA loan?
The VA does not set a minimum credit score, but lenders do. Many veterans with less-than-perfect credit still qualify, so it's worth asking.
Sources: VA.gov: funding fee · VA.gov: entitlement and loan limits · FHFA: 2026 conforming loan limits · Florida DOR: disabled veteran exemption FAQ. This article is general information, not a loan commitment. Eligibility, rates, and terms depend on credit approval and program guidelines.