Barrett Henry, MRPIf you're a veteran with a service-connected disability, Florida provides some of the most generous homeownership benefits in the nation. From VA funding fee waivers to full property tax exemptions to adapted housing grants, disabled veterans have access to programs that can save tens of thousands of dollars. With 23+ years of real estate experience and an MRP certification, I help disabled veterans take full advantage of every benefit they've earned.
Veterans with a service-connected disability rating of 10% or higher from the VA are exempt from the VA funding fee. For a first-time VA loan user buying a $400,000 home, the funding fee would normally be $8,600 (2.15%). That's $8,600 you never have to pay.
This exemption applies every time you use your VA loan benefit — not just the first time. Learn more about how this saves you money in our funding fee exemption guide.
Florida's property tax exemptions for disabled veterans are among the best in the country:
On a $400,000 home in Hillsborough County, the 100% P&T exemption saves approximately $3,880 per year. Read our full property tax exemption guide for details.
Ready to use your VA benefit?
Barrett Henry, MRP, helps Tampa Bay veterans buy homes with $0 down. Call (813) 733-7907 or request a free consultation.
Veterans with certain severe service-connected disabilities may qualify for Specially Adapted Housing grants from the VA. These grants help you build, buy, or modify a home to accommodate your disability. As of 2026, SAH grants provide up to approximately $109,986 for qualifying veterans.
Qualifying conditions typically include:
The SHA grant provides up to approximately $22,036 for veterans with disabilities including blindness, loss of use of both hands, or severe burns. This grant can be used to modify an existing home or purchase an already-adapted home.
If you're a qualifying veteran living temporarily in a family member's home, you may be eligible for a TRA grant to adapt that residence. This provides up to approximately $44,299 (SAH-eligible) or $7,910 (SHA-eligible) for modifications.
Yes. Beyond property tax exemptions, Florida disabled veterans may also qualify for:
The key is working with a REALTOR who understands these programs and ensures nothing is overlooked. Barrett Henry, MRP with REMAX Collective, helps disabled veterans across Tampa Bay combine the VA loan, funding fee waiver, and property tax exemptions to minimize their total cost of homeownership. Call (813) 733-7907 or visit our contact page to get started.
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This article is for educational purposes only and does not constitute financial, legal, or tax advice. Consult a qualified professional for advice specific to your situation.
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No. Veterans with a VA service-connected disability rating of 10% or higher are exempt from the VA funding fee. This can save over $8,000 on a $400,000 home purchase.
The Specially Adapted Housing (SAH) grant provides up to approximately $109,986 to help veterans with severe service-connected disabilities build, buy, or modify a home for accessibility.
No. Veterans with a 100% permanent and total (P&T) disability rating qualify for a complete property tax exemption on their homesteaded Florida property.
Yes. These benefits stack. A disabled veteran can use a VA loan with no funding fee, no down payment, no PMI, and also apply for Florida's property tax exemption — maximizing savings on every front.
Barrett Henry, MRP
Broker Associate, REMAX Collective · Military Relocation Professional
Barrett helps Tampa Bay veterans and military families buy homes using their VA benefit. Son of a U.S. Air Force veteran with 23+ years of real estate experience. Learn more →
Florida offers some of the most generous property tax exemptions for veterans in the nation. From partial discounts to full exemption, here's what you qualify for.
The VA funding fee can add thousands to your loan — but many veterans are exempt and don't know it. Here's who qualifies and how much you'll save.
Most veterans know about $0 down, but the VA loan has hidden advantages that could save you tens of thousands of dollars over the life of your mortgage.
Barrett Henry, MRP, answers personally — no call center, no pressure. Fill out the form for a free consultation.
Barrett responds personally within 2 hours. No call centers, no pressure.
