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.
What this actually means.
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.
Where this can move.
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.
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Educational only. VA guidelines, lender overlays, rates, fees, and underwriting requirements can change. Final eligibility depends on full underwriting review. Mortgage Expert, Inc. is not affiliated with the VA, HUD, or any government agency.