Florida Loan Limits · VA Loans
Florida · VA · 2026
Florida VA loan limits by county
Most Florida veterans have no VA loan limit at all. The Blue Water Navy Vietnam Veterans Act of 2019 removed VA loan limits for borrowers with full entitlement effective January 1, 2020, so the loan amount is limited by lender underwriting and the appraisal, not by the VA. County limits still matter in one situation: partial, or second-tier, entitlement. For those borrowers the county conforming loan limit sets the guaranty math, and in 2026 that is $832,750 in 66 of Florida's 67 counties and $990,150 in Monroe County, which covers the Keys.
Quick Answer · Florida VA loan limits, 2026
Source: Blue Water Navy Vietnam Veterans Act of 2019 (Pub. L. 116-23) for the no-limit rule; FHFA 2026 conforming loan limits via HUD CHUMS for the partial-entitlement guaranty basis, effective January 1, 2026.
The correction
“VA loan limit” is mostly a retired term
Before 2020 the VA published a county-by-county maximum and a veteran who wanted to borrow above it had to bring a down payment. That is the version of the rule most pages still describe. It ended on January 1, 2020.
What survived is the guaranty calculation. The VA still guarantees 25% of a loan, and it still uses the county conforming loan limit to size the maximum guaranty available to a borrower who has entitlement tied up elsewhere. So the county number did not disappear, it changed jobs: it stopped being a borrowing cap and became an input to a subtraction problem that only affects second-tier files.
The practical result is that two Florida veterans can walk into the same $900,000 purchase and get different answers. The one with full entitlement closes at zero down. The one still carrying a VA loan on a rental back in their last duty station brings a down payment measured by the math below.
When the county number binds
Second-tier entitlement math
Available entitlement equals 25% of the county conforming limit, minus the entitlement already charged to an outstanding VA loan. Compare what is left against 25% of the new loan amount. Any shortfall is the required down payment.
| Maximum guaranty in a $832,750 county (25%) | $208,188 |
| Less entitlement already charged (illustrative) | − $120,000 |
| Available entitlement | $88,188 |
| 25% of a $400,000 new loan | $100,000 |
| Required down payment | $11,812 |
The entitlement-already-charged figure is illustrative. It is not always the prior loan balance, which is the single most common error in second-tier estimates — get the real number from the veteran's Certificate of Eligibility. Run it on the VA entitlement calculator or read the second-tier entitlement section of the VA pillar.
All 67 counties
Florida partial-entitlement guaranty basis by county, 2026
These are the county conforming limits the VA uses to size the maximum guaranty on a partial-entitlement file. They are not borrowing caps for full-entitlement borrowers.
| County | 1-unit | 2-unit | 3-unit | 4-unit |
|---|---|---|---|---|
| Alachua | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Baker | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Bay | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Bradford | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Brevard | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Broward | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Calhoun | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Charlotte | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Citrus | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Clay | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Collier | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Columbia | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Desoto | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Dixie | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Duval | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Escambia | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Flagler | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Franklin | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Gadsden | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Gilchrist | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Glades | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Gulf | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Hamilton | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Hardee | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Hendry | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Hernando | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Highlands | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Hillsborough | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Holmes | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Indian River | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Jackson | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Jefferson | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lafayette | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lake | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lee | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Leon | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Levy | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Liberty | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Madison | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Manatee | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Marion | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Martin | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Miami-Dade | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Monroe (high-cost) | $990,150 | $1,267,600 | $1,532,200 | $1,904,150 |
| Nassau | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Okaloosa | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Okeechobee | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Orange | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Osceola | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Palm Beach | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Pasco | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Pinellas | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Polk | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Putnam | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Santa Rosa | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Sarasota | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Seminole | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| St. Johns | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| St. Lucie | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Sumter | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Suwannee | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Taylor | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Union | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Volusia | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Wakulla | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Walton | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Washington | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
Source: FHFA 2026 conforming loan limits, distributed in HUD's CHUMS files, effective January 1, 2026. FHFA announces the following year's limits in late November. Florida FHA and conforming limits by county · National loan-limit lookup
Questions
Florida VA loan limit FAQs
What is the VA loan limit in Florida for 2026?
For a veteran with full VA entitlement there is no VA loan limit in Florida, or in any state. The Blue Water Navy Vietnam Veterans Act of 2019 removed VA loan limits for full-entitlement borrowers effective January 1, 2020, so the loan amount is capped by what the lender will underwrite and what the appraisal supports, not by the VA. County limits apply only to borrowers with partial or second-tier entitlement. For those borrowers the relevant 2026 figure is the county conforming loan limit: $832,750 in 66 of Florida's 67 counties, and $990,150 in Monroe County.
Do VA loans have a maximum loan amount in Florida?
Not for full-entitlement borrowers. A veteran who has never used their VA benefit, or who has used it and since restored it by paying off the prior VA loan and selling the property, can finance any amount the lender approves at 100% loan-to-value with no VA-imposed ceiling. VA loans above $832,750 are commonly called "VA jumbo," but that is lender vocabulary, not a VA rule: the VA guaranty itself has no dollar cap for full entitlement.
Which Florida county has the highest VA loan limit in 2026?
Monroe County, at $990,150 for a one-unit property. Monroe County covers the Florida Keys and is the only Florida county FHFA designates as high-cost for 2026 conforming loans, which is what the VA uses as the guaranty basis for partial entitlement. Every other Florida county sits at the national baseline of $832,750. Remember this only matters for partial entitlement; full-entitlement borrowers have no limit in any county.
When does the county VA loan limit actually matter?
Only when entitlement is partial. The two common cases: the veteran has an existing VA loan that has not been paid off (often a prior home kept as a rental after a PCS move), or a prior VA loan ended in a claim. In those files the VA caps available entitlement at 25% of the county conforming loan limit, minus the entitlement already charged to the outstanding loan. If the remaining entitlement is at least 25% of the new loan amount, the veteran can still close at zero down. If it is short, the shortfall becomes the required down payment.
How is the down payment calculated on a second-tier VA loan?
Take 25% of the county conforming limit to get the maximum guaranty, subtract the entitlement already tied up in the existing VA loan, and compare what is left to 25% of the new loan amount. Any shortfall is the down payment. In a $832,750 baseline Florida county the maximum guaranty figure is $208,188. Run the specific numbers on the VA entitlement calculator rather than estimating, because the entitlement already charged is not always the prior loan balance.
Does the VA funding fee change with the county loan limit?
No. The funding fee is a percentage set by transaction type, down payment tier, and whether the benefit has been used before, and it is charged on the loan amount. The county limit plays no part in it. The fee is waived entirely for veterans receiving compensation for a service-connected disability.
Can a Florida veteran buy above the county limit with no money down?
With full entitlement, yes: there is no VA cap, so a zero-down purchase above $832,750 is possible when the lender's own guidelines and the appraisal support it. Lender overlays are the real constraint above the conforming line, and they tighten as loan size grows: expect higher credit and reserve expectations on a large zero-down VA file. With partial entitlement, a purchase above the remaining-entitlement math requires the down payment described above.
Are Florida VA loan limits the same as FHA limits?
No, and they are set by different agencies on different formulas. The VA uses the FHFA conforming limit as its guaranty basis for partial entitlement, which is $832,750 in most Florida counties. FHA Forward limits are set by HUD and are lower in most of Florida, starting at a national floor of $541,287 and rising in designated high-cost metros. A veteran comparing the two programs should compare the VA funding fee against FHA mortgage insurance, not the limits.
Florida VA financing
Tell us whether the entitlement is full or partial.
That one answer decides whether your buyer has a limit at all. Send the scenario and we will size it the same day, including the second-tier math if a prior VA loan is still open.
Prefer to talk first? Call (305) 703-9001