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VA Loan Calculator for Florida

Free va loan calculator tailored for Florida (FL). Calculate instantly with state-specific rates and rules.

Down Payment
Base Loan Amount
VA Funding Fee
Total Loan (with fee)
Monthly Payment
PMI Savings vs Conventional
Total Interest Over Life
Total Cost

VA Loans in Florida

VA loans allow eligible veterans and active-duty service members to buy a home in Florida with no down payment. On the median Florida home of $395,000, that's the full $395,000 financed — no down payment required.

VA Loan Limits in Florida

Veterans with full entitlement have no VA loan limit. The conforming limit of $726,200 in Florida is relevant only for veterans with reduced entitlement. Most Florida counties are at the standard conforming limit. Monroe County (Florida Keys) qualifies for high-cost limits at $874,000.

VA Funding Fee

Most VA borrowers pay a one-time VA funding fee: 2.15% for first use with no down payment (1.5% with 5%+ down). On a $395,000 loan, the funding fee is approximately $8,493. Veterans with service-connected disabilities are exempt.

Property Taxes in Florida

VA loans don't change your property tax obligation. Florida's effective rate is 0.86%, adding ~$283/month to your VA PITI payment.

Data: Tax Foundation (2024), US Census Bureau ACS 2023, Zillow, ATTOM Data Solutions. Updated 2024–2025. Figures reflect state averages — consult a licensed professional for personalized advice.

VA Loan Calculator for Other States

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Frequently Asked Questions

Can I use a VA loan in Florida?
Yes. VA loans are available in all states including Florida. Eligible veterans and service members can buy the median Florida home ($395,000) with no down payment.
What is the VA loan limit in Florida?
Veterans with full entitlement have no loan limit. For those with reduced entitlement, the baseline conforming limit of $726,200 applies. Most Florida counties are at the standard conforming limit. Monroe County (Florida Keys) qualifies for high-cost limits at $874,000.
How much is the VA funding fee in Florida?
For a first-use VA loan with no down payment, the funding fee is 2.15% of the loan amount. On Florida's median home of $395,000, that's approximately $8,493. Veterans with service-connected disabilities pay no funding fee.
What are closing costs on a VA loan in Florida?
VA loans have lender-paid and buyer-paid closing costs. Buyers typically pay $4,100 in Florida. Florida charges documentary stamp taxes on deeds ($0.70/$100 of sale price) and on mortgages ($0.35/$100 of loan amount). There is no state income tax on capital gains from home sales. Sellers can also contribute to closing costs.

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+v.toLocaleString('en-US',{minimumFractionDigits:2,maximumFractionDigits:2});};window.calcVA=function(){var price=parseFloat(document.getElementById('va-price').value)||0;var downPct=parseFloat(document.getElementById('va-down').value)||0;var rate=parseFloat(document.getElementById('va-rate').value)||0;var term=parseInt(document.getElementById('va-term').value)||30;var feePct=parseFloat(document.getElementById('va-usage').value)||2.15;var exempt=document.getElementById('va-exempt').checked;if(exempt)feePct=0;if(downPct>=5&&downPct<10)feePct=Math.max(feePct-0.5,0);if(downPct>=10)feePct=Math.max(feePct-0.9,0);var downAmt=price*(downPct/100);var baseLoan=price-downAmt;var feeAmt=baseLoan*(feePct/100);var totalLoan=baseLoan+feeAmt;var r=rate/100/12;var n=term*12;var monthly=0;if(r===0){monthly=totalLoan/n;}else{monthly=totalLoan*(r*Math.pow(1+r,n))/(Math.pow(1+r,n)-1);}var convPMIrate=0.007;var monthlyPMIsave=downPct<20?(baseLoan*convPMIrate/12):0;var totalInterest=(monthly*n)-totalLoan;var totalCost=(monthly*n)+downAmt;document.getElementById('va-down-amt').textContent=fmt(downAmt);document.getElementById('va-base-loan').textContent=fmt(baseLoan);document.getElementById('va-fee-amt').textContent=fmt(feeAmt)+' ('+feePct.toFixed(2)+'%)';document.getElementById('va-total-loan').textContent=fmt(totalLoan);document.getElementById('va-monthly').textContent=fmt(monthly);document.getElementById('va-pmi-save').textContent=fmt(monthlyPMIsave)+'/mo';document.getElementById('va-total-interest').textContent=fmt(totalInterest);document.getElementById('va-total-cost').textContent=fmt(totalCost);document.getElementById('va-result').classList.add('show');};})();