The short answer, is that you would use the Florida homestead exemption. Now, here's the long answer:
The homestead exemption is limited to $155,675 if the debtor acquired the property during the 1,215-day period (3 years, 4 months) preceding filing of the bankruptcy petition. Bankr. Code § 522(p)(1)(D). Also, the value of a debtor's interest in real or personal property used by the debtor/debtor's dependent as a residence, or claimed as a homestead or burial plot, may be reduced to the extent the value is attributable to nonexempt property the debtor disposed of in the 10-year period preceding filing of the bankruptcy petition “with the intent to hinder, delay, or defraud a creditor.” Bankr. Code § 522(o).
In plain English, during the first 3 years and four months of ownership of a Florida homestead, if the net equity value of the home that you purchase in Florida does not exceed $155, 675 (fair market value minus any secured mortgages), and the funds that you use to purchase the property would have been exempt from bankruptcy claims while you resided in your previous state of residence, then those funds can be used to purchase a home in Florida, and the funds will be protected by the Florida homestead exemption.
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