Is earnest money required on a VA loan?
Not by VA — earnest money is a contract term between buyer and seller, not a VA requirement. Florida purchase contracts almost always include earnest money to make the offer credible.
Plain-English explanation
VA does not mandate earnest money. The Florida 'AS IS' Residential Contract and FAR/BAR contract both allow the parties to set the deposit amount. Stronger earnest money signals a serious offer in a competitive Florida market. Source of the earnest money has to be documented for VA underwriting just like any other deposit. Subject to underwriting.
What can change the answer?
Title and escrow fees, Florida doc stamps, the funding fee, prepaids, escrow setup, and lender fees within VA's allowable list. Non-allowable fees shift to seller or lender.
Want the real answer for your VA file?
VA guidelines are the rule. Your COE, entitlement, residual income, property, and Florida costs are what decide the actual answer.
More VA questions on Closing Costs
Educational only. VA guidelines, lender overlays, rates, fees, and underwriting requirements can change. Final eligibility depends on full underwriting review.