Bases: NAS Jacksonville · MacDill · Eglin · Pensacola · $0 down VA · Florida disabled-Veteran property-tax exemption disabled-Veteran tax help · Call Mike (480) 296-6513

Florida VA Loan — BAH Calculator

Pick your base, pick your rank, see what home your 2026 BAH actually covers — including the FL summer utility reality national lenders skip.

By Mike Certo, NMLS #260555 — Updated June 2026

Your Situation

Your Base & Rank

Duty station

Pay grade

Dependents?

Estimated 2026 BAH: $2,181 / month (confirm your exact rate)

The Home

Florida county (property tax)

Utility load (summer cooling)

National calculators skip this. FL summer A/C is real and changes what BAH covers.

Assumed rate (%) for estimating

Enter any rate to estimate payments. This is an assumption for the math, not a quote or an offer — ask Mike for current pricing.

Funding fee?

Down payment % (most VA buyers use 0%)

Estimated HOA ($/mo)

Nocatee / Wesley Chapel / Viera master-planned typically $80-180/mo. Older neighborhoods often $0.

Your Result

Pick your base and rank to see your number.

BAH figures are 2026 estimates — confirm your exact rate at the official DoD BAH calculator. Property tax estimates use approximate 2026 effective rates by Florida county. Utility estimates are Florida-typical summer cooling ranges; your actual will vary by home size and habits. Funding fee per VA Lenders Handbook 2026 — waived for 10%+ disability. Calculator is educational, not a loan commitment. Mike Certo NMLS #260555 · Cornerstone First Mortgage NMLS #173855 · Equal Housing Lender.