Sumter County is home to Shaw Air Force Base and a proud military community that spans generations. For veterans, active-duty service members, and surviving spouses, using your VA loan benefit in Sumter County offers a path to affordable homeownership with proximity to base, healthcare, and a welcoming local culture.
Why Use a VA Loan in Sumter County
- $0 Down Payment – Buy a home without needing to save for a down payment
- No PMI – Eliminate private mortgage insurance costs
- Below-Market Interest Rates – VA loans offer strong long-term affordability
- Flexible Credit Guidelines – Especially helpful for first-time buyers or those with prior service-related financial challenges
- Ideal for Builds or Resale – Use your benefit to buy new or existing homes
VA Purchase Loans in Sumter County
Qualified buyers can use their VA entitlement to purchase:
- Single-family homes (new or resale)
- VA-approved condos or townhomes
- Duplexes, triplexes, or fourplexes (if you live in one unit)
Top locations for VA homebuyers in Sumter County include:
- Sumter (city) – Close to Shaw AFB and full of schools, services, and shopping
- Dalzell – Popular with military families and new construction
- Rembert – Rural and affordable, just outside city limits
- Cherryvale – Between Sumter and Shaw AFB
VA One-Time Close Construction Loans
Sumter County is well suited for VA One-Time Close (OTC) construction loans. These loans allow veterans to finance land, construction, and the final mortgage in a single closing.
Great areas to build include:
- Dalzell and outskirts of Sumter – Access to schools and services
- Rural land in Rembert or Oswego – Privacy and acreage
- Properties along SC-441 and SC-763 – Easy access to Shaw and Sumter
2025 VA Loan Limits for Sumter County
| Property Type | VA Loan Limit |
|---|---|
| 1 Unit | $766,550 |
| 2 Units | $981,500 |
| 3 Units | $1,186,350 |
| 4 Units | $1,474,400 |
Why Veterans Love Sumter County
- Immediate access to Shaw AFB and VA outpatient services
- Low property taxes and affordable homes
- Military-friendly schools and community resources
- High VA loan usage and strong lender support
Explore Other VA Loan Areas
The Local Ledger proudly helps service members and veterans across Sumter County access the housing benefits they’ve earned—whether you’re buying your first home or building your forever one.
