Kershaw County blends small-town charm with easy access to Columbia, SC. Known for its equestrian culture, military-friendly community, and affordable land, it’s a fantastic option for veterans using their VA loan benefits to buy or build.
Why Use a VA Loan in Kershaw County?
- $0 Down Payment – Eliminate the biggest barrier to buying
- No PMI – Save hundreds per month with no private mortgage insurance
- Competitive Interest Rates – VA loans are backed for lender confidence
- Flexible Credit Requirements – Easier approval than conventional loans
- Perfect for Build or Buy – Especially in rural or semi-rural areas
VA Purchase Loans in Kershaw County
Qualified veterans can use their VA eligibility to purchase:
- Single-family homes
- VA-approved townhomes and condos
- 2–4 unit multi-family properties (if owner-occupied)
Top towns for VA buyers in Kershaw County include:
- Camden – Historic charm, walkable downtown, and equestrian heritage
- Lugoff – Suburban feel with new builds and proximity to I-20
- Elgin – Fast-growing and popular for Fort Jackson commuters
- Bethune – Quiet, rural setting with land and space
VA One-Time Close Construction Loans
Building in Kershaw County is easy with a VA One-Time Close loan. This all-in-one loan combines the land, construction costs, and mortgage into one simple package.
Best areas to build with VA OTC include:
- North of Camden – Equestrian properties or homes on acreage
- Rural Elgin & Lugoff – Affordable land with builder flexibility
- Bethune & Cassatt – Remote and budget-friendly options
- Along US-1 & I-20 corridors – Great for commuting and growth
2025 VA Loan Limits for Kershaw 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 Choose Kershaw County
- Proximity to Fort Jackson and Columbia VA Medical Center
- Low taxes and affordable cost of living
- Variety of housing types including acreage, subdivisions, and townhomes
- Close-knit and patriotic community
- Excellent for first-time buyers and rural home construction
The Local Ledger is proud to help veterans and active-duty service members buy or build in Kershaw County. Whether you’re looking for convenience, acreage, or a legacy home, we’re here to help you every step of the way.
