VA Home Loans • Florida 2026
VA Loan Limits in Florida — 2026
Here is the misconception, cleared up first: with full VA entitlement, the VA sets no loan limit at all. You can borrow as much as a lender approves, with zero down. The county loan limit only matters when you have partial entitlement — for example, a VA loan still open, or entitlement lost to a foreclosure or short sale.
VA loan limit lookup
Pick your county and enter the entitlement you have already used. The widget shows the VA’s 25% guaranty math plainly, so you can see exactly where your zero-down ceiling comes from.
Your numbers
| County loan limit (2026) | $832,750 |
| VA guaranty — 25% of the limit | $208,187.50 |
| Remaining entitlement (limit × 25%) − entitlement used | $108,187.50 |
| Your zero-down ceiling remaining entitlement × 4 | $432,750 |
2026 county loan limits used here
VA county limits follow the Federal Housing Finance Agency (FHFA) conforming loan limits. For 2026, the FHFA baseline limit is $832,750 for most Florida counties, including Duval, St. Johns, Clay and Nassau. Monroe County is higher, at $990,150.
| County | 2026 conforming loan limit |
|---|---|
| Duval | $832,750 |
| St. Johns | $832,750 |
| Clay | $832,750 |
| Nassau | $832,750 |
| Monroe | $990,150 |
| Another Florida county | $832,750 (most counties) |
Source: FHFA conforming loan limit values for 2026 (announced November 25, 2025). If your county is a high-cost exception, ask Douglas to confirm it before you shop.
Full entitlement vs. partial entitlement
Full entitlement
If you have never used your VA benefit, or you have paid off a prior VA loan and had your entitlement restored, you generally have full entitlement. With full entitlement, there is no VA loan limit and no down payment requirement, no matter the price — the lender’s approval, not a county cap, sets the ceiling.
Partial entitlement
If a VA loan is still open, or you lost entitlement to a foreclosure or short sale, only part of your entitlement remains. Then the county limit matters: the VA will guarantee 25% of the county limit, minus the entitlement already tied up, and your zero-down ceiling is what is left, times four.
What happens above your ceiling?
If you buy above your zero-down ceiling, you are not shut out — you make a down payment of 25% of the amount above the ceiling. Worked example with the Duval numbers above: your ceiling is $432,750 and you target a $600,000 home. The amount above the ceiling is $600,000 − $432,750 = $167,250. Your down payment is 25% × $167,250 = $41,812.50. The VA then guarantees the rest, and you still pay no monthly mortgage insurance.
Run the full entitlement worksheet
For a step-by-step breakdown of basic and bonus entitlement, use the companion worksheet.
See your zero-down buying power
Turn your remaining entitlement into a price range you can shop with confidence.
How this works
This page uses the FHFA 2026 conforming loan limits and the VA’s standard guaranty rule: the VA guarantees 25% of the county limit, reduced by entitlement already used, and the zero-down ceiling is the remaining entitlement multiplied by four. Figures are estimates for planning only; your lender’s underwriting decision, credit review and property eligibility control the final loan. This page was revised November 2026.
Have Douglas Review My Numbers
Bring your county, your entitlement used and your target price, and Douglas Wilkerson, Mortgage Broker and Branch Manager, will walk through your ceiling and your down payment, if any, before you make an offer.
Have Douglas Review My Numbers
Or call (904) 517-4049
You work directly with Douglas — no call center, no hand-offs. “If you're a veteran looking to buy a home, I can't recommend Douglas highly enough. As a fellow Marine veteran, he truly understands every aspect of the VA home loan process and knows how to navigate it from start to finish. His knowledge, professionalism, and commitment to serving veterans are second to none.What really sets Douglas apart is that he's much more than just a mortgage loan officer. He works seamlessly with your real estate agent to make sure everyone is aligned and the entire process runs smoothly. You never feel like you're just another transaction.The best part is that once you become part of Douglas's ecosystem, you never really leave it. He continues to be a trusted resource long after closing, providing guidance, connections, and support whenever you need it. It's not just a mortgage—it's a lifelong relationship and an incredible asset to have in your corner.If you're looking for someone who genuinely cares about your success and has the expertise to get the job done right, Douglas is the person to call. Semper Fi!” — Jason Haglund, July 31, 2026
Frequently asked questions
Is there a VA loan limit in Florida?
With full entitlement, no. The VA sets no loan limit, and you can borrow as much as a lender approves with zero down. A county limit only comes into play when you have partial entitlement, because the VA’s guaranty is then capped at 25% of that county’s limit, minus entitlement already used.
What if I already have a VA loan?
Then you likely have partial entitlement: the entitlement tied up in the open loan counts against your guaranty. Your remaining entitlement is (county limit × 25%) minus the entitlement already used, and your zero-down ceiling is the remainder times four. If you sell the home and pay off that loan, you can usually have your entitlement restored.
What is the 2026 VA loan limit in Duval County?
Duval County follows the 2026 FHFA baseline conforming limit of $832,750. Remember, that figure only caps your VA guaranty when you have partial entitlement; with full entitlement it does not limit what you can borrow.
How is my remaining entitlement calculated?
Take 25% of your county’s loan limit — that is the VA guaranty for a full-entitlement loan there — and subtract the entitlement already used. What is left is your remaining entitlement. Multiply it by four to get your zero-down ceiling.
What down payment do I need above my zero-down ceiling?
You pay 25% of the amount above your ceiling. For example, with the Duval ceiling of $432,750 and a $600,000 target price, the excess is $167,250, so the down payment is 25% × $167,250 = $41,812.50.
Does the county limit change if I buy in Monroe County?
Yes. Monroe County’s 2026 conforming limit is $990,150, higher than the $832,750 baseline. A higher limit raises the 25% guaranty, which raises your remaining entitlement and your zero-down ceiling.
Equal Housing Opportunity. Mortgage services are provided by Douglas Wilkerson, Branch Manager and Mortgage Broker with Edge Home Finance Corporation. Loan programs, rates, eligibility, underwriting guidelines and availability are subject to change. All applications are subject to credit review, verification, property eligibility, applicable underwriting requirements and final approval. This website does not constitute a commitment to lend or a guarantee of financing.