VA Home Loans in South Carolina
At The Local Ledger, we’re proud to help veterans and active-duty service members across South Carolina secure VA home loans with $0 down payment, no PMI, and flexible credit requirements. Whether you’re buying in Charleston, Columbia, Summerville, or a rural community, VA financing can help make homeownership more affordable.
Benefits of a VA Loan in SC
- No down payment required
- No private mortgage insurance (PMI)
- Competitive interest rates
- Flexible credit guidelines
- Low closing costs
Who is Eligible for a VA Loan in South Carolina?
You may be eligible if you are a(n):
- Veteran with an honorable discharge
- Active-duty service member
- Surviving spouse of a veteran
- Reservist or National Guard member with sufficient service
Explore VA Loans by County in South Carolina
We’ve created dedicated pages to help you explore VA loan options across all 46 counties in South Carolina:
- Abbeville County
- Aiken County
- Allendale County
- Anderson County
- Bamberg County
- Barnwell County
- Beaufort County
- Berkeley County
- Calhoun County
- Charleston County
- Cherokee County
- Chester County
- Chesterfield County
- Clarendon County
- Colleton County
- Darlington County
- Dillon County
- Dorchester County
- Edgefield County
- Fairfield County
- Florence County
- Georgetown County
- Greenville County
- Greenwood County
- Hampton County
- Horry County
- Jasper County
- Kershaw County
- Lancaster County
- Laurens County
- Lee County
- Lexington County
- Marion County
- Marlboro County
- McCormick County
- Newberry County
- Oconee County
- Orangeburg County
- Pickens County
- Richland County
- Saluda County
- Spartanburg County
- Sumter County
- Union County
- Williamsburg County
- York County
SC Cities Where VA Loans Are Most Popular
Charleston
With its historic charm and strong military presence, Charleston is a top destination for VA buyers.
Columbia
As the capital and home to Fort Jackson, Columbia offers great VA homeownership opportunities.
Greenville
Greenville’s booming economy and family-friendly neighborhoods make it ideal for veterans relocating to the Upstate.
VA Construction Loans in South Carolina
If you’re looking to build your dream home, VA One-Time Close (OTC) construction loans offer a powerful solution. These loans let you finance land, construction, and your permanent mortgage all in one — with no payments during construction.
Learn more about VA OTC loans →
How to Get Pre-Approved for a VA Loan
- Request your Certificate of Eligibility (COE)
- Speak with a VA-approved loan officer – like us!
- Get pre-approved and start shopping for homes
Why Work With The Local Ledger + Edge Home Finance
We specialize in helping veterans secure affordable home financing in South Carolina. As a Coast Guard veteran and experienced mortgage advisor, I understand both the lending process and the needs of military families.
Frequently Asked Questions
Can I buy a home with a VA loan in South Carolina?
Yes, eligible veterans and active-duty service members can buy a primary residence in South Carolina using a VA loan with no down payment and no private mortgage insurance.
Does South Carolina have VA loan limits?
There are no official VA loan limits for fully entitled veterans, but lenders may impose limits based on credit, income, and home location.
Can I use a VA loan to build a home in South Carolina?
Absolutely. VA One-Time Close construction loans are available through approved lenders and allow you to finance land, construction, and your mortgage in one loan with no payments during construction.
Are VA loans available for manufactured or modular homes in SC?
Yes, but the home must meet VA and lender property requirements, and the unit must be permanently affixed to a foundation on land you own or are purchasing.
What credit score is needed for a VA loan in South Carolina?
While the VA doesn’t set a minimum score, most lenders require a score of at least 580–620 depending on the lender and loan product.
