Today's VA loan rates in Florida
Live wholesale Florida VA pricing as of August 28, 2026 09:38 AM. HomePilot's 30-year VA rate in Florida is 5.75%, APR 5.767%. Our VA rate has closed under the national average every trading day we've published the comparison, starting August 28, 2026, and every one of those days is archived.
- $0 lender fees on every VA loan
- Funding fee waived with a 10%+ disability rating
- 20-day average close
Side by side
Today's VA offers, with the fine print in daylight
As of August 28, 2026, our VA rate is 0.62% under the national average (6.37% average vs our 5.75%, 5.767% APR), worth about $121 a month on a $440,000 example and roughly $43,000 across the loan's term, principal and interest.
HomePilot
5.75%
5.767% APR
Points: 0.244
$0 origination · $0 processing · $0 underwriting
National VA average
6.37%
Mortgage News Daily index
≈ $121/mo more than our card
Published Aug 28 · source
Veterans United
5.99%
6.425% APR
Points: 1.563 ($4,611)
May also charge origination, processing, and underwriting fees.
As advertised Aug 29 · their site
Advertised offers are each lender's own sample scenarios and move daily; our quote is the live engine price for a sample Florida VA purchase, APR included. None of these figures is an offer of credit. See the full comparison.
Every VA product
Florida VA loan options
VA purchase
Buy with $0 down and no monthly mortgage insurance. With full entitlement there is no VA loan limit.
VA IRRRL (streamline refi)
Rates fell since you closed? Swap to a lower rate with reduced documentation, usually no appraisal, and a 0.5% funding fee.
VA cash-out refinance
Tap equity at higher loan-to-value than conventional allows: up to 90% with most lenders (the VA itself permits up to 100%). Also the route back into a VA loan from a conventional.
VA jumbo
Buying above the conforming limit? With full entitlement, qualified buyers still put $0 down at jumbo price points.
Why VA wins
The strongest loan in the market, by the numbers
You earned a loan program the rest of the market can't touch. Here's what it's actually worth, benefit by benefit.
$0
Down payment
With full entitlement, the VA dropped loan limits in 2020. Qualified buyers put nothing down at any price point a lender approves.
$0
Monthly mortgage insurance
FHA charges 0.55% a year in MIP (about $183 a month on a $400,000 loan). VA loans carry no monthly mortgage insurance at any down payment.
4%
Seller concessions
On top of uncapped help with normal closing costs. The two-bucket rule below is worth real money in a negotiation.
0.5%
IRRRL funding fee
If rates fall later, the VA streamline refinance reprices your loan with reduced documentation and a reduced fee. Your rate is never a life sentence. (Funding fee waived with a 10% or more disability rating.)
Waived
Funding fee at 10%+
A disability rating of 10% or more, active-duty Purple Heart status, or eligible surviving-spouse status removes the funding fee entirely.
Yours
Assumable rate
A future buyer can take over your VA loan at your locked rate with servicer approval. In a rising-rate market, that is a genuine selling point for your home.
×2
Loans at once
Entitlement restores when you sell or pay off, and remaining entitlement can buy a second home while you keep the first. Run yours in the calculator below.
$0
Prepayment penalty
Pay extra, recast, or pay the loan off whenever you want. The VA prohibits prepayment penalties on every VA loan.
The rule most agents miss
VA seller help comes in two buckets.
This one is for home purchases: when you're buying, the seller can help pay your costs. Everyone quotes "the seller can give 4%." The VA Lenders Handbook actually splits seller help in two, and knowing the split is worth real money in a purchase negotiation.
Bucket 1 · no cap
Normal closing costs
The seller can pay every ordinary loan-related closing cost, appraisal, title, origination charges, recording, with no percentage limit at all. This is not a concession under the handbook's definition, so it never touches the 4%.
Bucket 2 · up to 4%
True concessions
- · Pay off your debts and judgments at closing
- · Cover the VA funding fee
- · Prepay your taxes and insurance
- · Buy the rate down beyond market-normal points
Source: VA Lenders Handbook M26-7, Chapter 8. Structuring both buckets correctly is negotiation strategy; we do it on every VA purchase offer we price.
Bonus entitlement
Can you buy again without selling?
If you own a home with a VA loan on it, you may not need to give it up to use your benefit again. The remainder of your entitlement (the industry calls it bonus or second-tier entitlement) can guaranty the next purchase. Run your numbers and see whether the next home is $0 down, needs a down payment, or needs a restoration first.
Your VA benefit today
Answer "No" if you have never used a VA loan, or if you sold the home (or refinanced it out of the VA program) and restored your entitlement.
From your closing paperwork, not today's balance. Entitlement in use is about 25% of this number; your COE shows the exact figure.
The next purchase
Most Florida counties use the $832,750 2026 baseline; high-cost counties go up to $1,249,125. Only matters when you are keeping another VA loan.
Your remaining entitlement of $133,188 covers the full 25% guaranty on a $450,000 purchase, with your current VA loan still in place.
The entitlement math
The funding fee is waived entirely with a service-connected disability rating of 10% or more, for active-duty Purple Heart recipients, and for eligible surviving spouses. Fee table as of 2026.
Your COE has the exact numbers.
This is the estimate; your Certificate of Eligibility is the authority. We pull it for you in minutes and price the whole scenario against live wholesale VA rates. No SSN, no hard credit pull to start.
What this estimate assumes
- · Entitlement in use is approximated as 25% of the kept loan's original amount. Your COE may show a different charged figure (partial restorations, older loans, and assumptions all move it).
- · The county limit only matters with partial entitlement. Purchases above $144,000 are assumed, which covers nearly every current market.
- · Carrying two mortgages means qualifying with both payments in your debt-to-income ratio. That, not entitlement, is the usual constraint, and it is exactly what we check on a quote.
- · Estimates only, not a loan offer or a commitment to lend.
Florida disability benefits
Your rating pays twice here.
Florida stacks benefits from a $5,000 exemption at 10% all the way to zero property tax at 100% permanent and total. And a disability rating of 10% or more also waives the VA funding fee on the loan itself.
10% rating or higher
$5,000 property tax exemption on top of the standard homestead exemption.
100% total and permanent service-connected rating
Fully exempt from real estate taxes on the homestead.
Age 65+, partially disabled, combat-related
A discount on homestead property tax equal to your permanent service-connected disability percentage.
· Florida residency and county filing required; bring your VA rating documentation to the county property appraiser.
Verified against Florida Department of Veterans' Affairs, housing benefits and Lee County Property Appraiser, veteran exemptions as of August 2026. Rules and dollar figures change; confirm current amounts with your county before you count on them.
FAQs
Florida VA loans, answered
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Reviews
What clients say
VA rates in other states we serve
HomePilot is licensed in AZ, CA, CO, FL, TX. Every state gets the same live VA pricing, guarantee, and tools:
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Important legal disclosures: Rates shown are illustrative samples, not offers of credit. Your actual rate depends on credit, property, occupancy, loan-to-value, loan amount, county, and market conditions. APR includes upfront fees; nothing on this page is a commitment to lend. HomePilot Mortgage is licensed in AZ, CA, CO, FL, TX (NMLS #2752340) and is a private company, not affiliated with or endorsed by the Department of Veterans Affairs or any government agency. Property tax and entitlement information is general education, not tax or legal advice. Equal Housing Opportunity.