Veterans with full entitlement have no VA loan limit in Florida. With reduced entitlement, 2026 county limits in Florida range from $832,750 to $990,150 (Monroe County).
How VA limits work
Since 2020, the VA does not cap loans for borrowers with full entitlement. If you have an active VA loan, or a past one whose entitlement wasn’t restored (reduced entitlement), the VA guarantees up to 25% of the county limit minus the entitlement already used. Above that, you may need a down payment.
2026 county limits in Florida (reduced entitlement)
| County | VA / conforming limit | FHA limit |
|---|---|---|
| Monroe County | $990,150 | $990,150 |
| Alachua County | $832,750 | $541,287 |
| Baker County | $832,750 | $580,750 |
| Bay County | $832,750 | $541,287 |
| Bradford County | $832,750 | $541,287 |
| Brevard County | $832,750 | $541,287 |
| Broward County | $832,750 | $667,000 |
| Calhoun County | $832,750 | $541,287 |
| Charlotte County | $832,750 | $541,287 |
| Citrus County | $832,750 | $541,287 |
| Clay County | $832,750 | $580,750 |
| Collier County | $832,750 | $764,750 |
| Columbia County | $832,750 | $541,287 |
| DeSoto County | $832,750 | $541,287 |
| Dixie County | $832,750 | $541,287 |
| Duval County | $832,750 | $580,750 |
| Escambia County | $832,750 | $541,287 |
| Flagler County | $832,750 | $541,287 |
| Franklin County | $832,750 | $541,287 |
| Gadsden County | $832,750 | $541,287 |
| Gilchrist County | $832,750 | $541,287 |
| Glades County | $832,750 | $541,287 |
| Gulf County | $832,750 | $541,287 |
| Hamilton County | $832,750 | $541,287 |
| Hardee County | $832,750 | $541,287 |
| Hendry County | $832,750 | $541,287 |
| Hernando County | $832,750 | $541,287 |
| Highlands County | $832,750 | $541,287 |
| Hillsborough County | $832,750 | $541,287 |
| Holmes County | $832,750 | $541,287 |
| Indian River County | $832,750 | $541,287 |
| Jackson County | $832,750 | $541,287 |
| Jefferson County | $832,750 | $541,287 |
| Lafayette County | $832,750 | $541,287 |
| Lake County | $832,750 | $541,287 |
| Lee County | $832,750 | $541,287 |
| Leon County | $832,750 | $541,287 |
| Levy County | $832,750 | $541,287 |
| Liberty County | $832,750 | $541,287 |
| Madison County | $832,750 | $541,287 |
| Manatee County | $832,750 | $547,400 |
| Marion County | $832,750 | $541,287 |
| Martin County | $832,750 | $603,750 |
| Miami-Dade County | $832,750 | $667,000 |
| Nassau County | $832,750 | $580,750 |
| Okaloosa County | $832,750 | $603,750 |
| Okeechobee County | $832,750 | $541,287 |
| Orange County | $832,750 | $541,287 |
| Osceola County | $832,750 | $541,287 |
| Palm Beach County | $832,750 | $667,000 |
| Pasco County | $832,750 | $541,287 |
| Pinellas County | $832,750 | $541,287 |
| Polk County | $832,750 | $541,287 |
| Putnam County | $832,750 | $541,287 |
| Santa Rosa County | $832,750 | $541,287 |
| Sarasota County | $832,750 | $547,400 |
| Seminole County | $832,750 | $541,287 |
| St. Johns County | $832,750 | $580,750 |
| St. Lucie County | $832,750 | $603,750 |
| Sumter County | $832,750 | $541,287 |
| Suwannee County | $832,750 | $541,287 |
| Taylor County | $832,750 | $541,287 |
| Union County | $832,750 | $541,287 |
| Volusia County | $832,750 | $541,287 |
| Wakulla County | $832,750 | $541,287 |
| Walton County | $832,750 | $603,750 |
| Washington County | $832,750 | $541,287 |
Source: FHFA 2026 conforming loan limits, which the VA uses as county limits; HUD CY2026 FHA limits. Not lending advice.
Frequently asked questions
Is there a VA loan limit in Florida?
Veterans with full entitlement have no VA loan limit in Florida. With reduced entitlement, 2026 county limits in Florida range from $832,750 to $990,150 (Monroe County).
What is the maximum VA loan for 2026?
No maximum with full entitlement. With reduced entitlement, the baseline county limit is $832,750, higher in high-cost counties.