VA loan home buyer rebate in Florida

Veterans and service members can use a VA loan and still work with a rebate agent. Here's how buyer-agent pay works with VA loans now, how the 4% seller-concession limit fits in, and how your rebate is handled at closing.

Get my rebate Call (407) 357-0357

VA purchase basics

Down paymentOften $0

Seller concessions cap4%

Buyer-broker feesVeterans may pay

+ 50%

of the commission we receive, credited at closing

Confirm current VA rules and your credit limits with a VA-approved lender.

Get my VA rebate estimate

Reviewed by Bryan Berns, Florida real estate broker (License BK3659524), licensed since 2011 · Updated October 2026

How buyer-agent pay works with a VA loan

After the 2024 NAR settlement, VA began allowing veterans to pay their own buyer-broker fees, and reports indicate VA made that policy permanent in 2026. Sellers and builders can still pay your agent too.

VA limits seller concessions to 4% of the home's reasonable value, and some items, such as a seller paying your agent, may count toward it. That's why planning credits carefully matters on a VA purchase.

How we plan a VA purchase

Talk to a VA lender first

Your lender confirms what credits and concessions they'll accept.

Plan the credits

We map builder incentives, seller concessions and your rebate so nothing exceeds the limits.

Rebate on the Closing Disclosure

Your rebate is disclosed and credited at closing, typically toward allowable closing costs and prepaids.

Full representation

Inspections, appraisal and VA requirements handled with you.

Florida's military communities we serve

Jacksonville

Near NAS Jacksonville and Naval Station Mayport.

Tampa Bay

Near MacDill Air Force Base.

Space Coast

Near Patrick Space Force Base. See Melbourne and Viera.

Orlando

Near the Orlando VA Medical Center at Lake Nona and the area's defense employers.

VA rebate questions

Can I get a rebate with a VA loan?

Usually yes, when your lender approves the credit and it fits within VA's rules. We coordinate with your lender from the start.

Does my rebate count toward the 4% limit?

Ask your VA lender. Treatment of agent credits can vary, which is why we plan credits with them early.

Can I use a VA loan on new construction?

Yes, with an approved builder and lender. Register us before your first model visit.

What if the seller won't pay my agent?

Your buyer agreement explains the options, including paying the fee yourself, which VA now allows.

Get your VA loan rebate estimate

Tell us your base or city and timeline. We'll coordinate with your VA lender and estimate your rebate.

✓ 50% of the buyer-agent commission back ✓ Rebate in writing before you tour ✓ Full-service licensed Florida agent ✓ Led by an experienced Florida rebate broker, licensed since 2011

Faster: call or text

(407) 357-0357

Related rebate pages

Loan limits on rebates and credits Get pre-approved Jacksonville home buyer rebate Melbourne home buyer rebate