Chester County offers a charming mix of small-town appeal, natural beauty, and proximity to the Charlotte metro area. For veterans, active-duty service members, and eligible surviving spouses, the VA loan program opens the door to affordable homeownership and custom home building in this growing region.
Why Use a VA Loan in Chester County?
- $0 Down Payment – Finance your entire home purchase with no money down
- No PMI – Keep monthly payments low with no private mortgage insurance
- Low Interest Rates – Take advantage of below-market VA loan rates
- Flexible Guidelines – Ideal for buyers with varied credit histories or limited savings
- Build or Buy – Use your benefit to purchase an existing home or fund new construction
VA Purchase Loans in Chester County
VA purchase loans are available for:
- Single-family homes
- VA-approved townhomes or manufactured homes
- Multi-unit properties (2–4 units with primary residence requirement)
Great areas to buy include:
- Chester – Historic downtown, great community resources, and walkable neighborhoods
- Fort Lawn – Riverside living with easy access to Rock Hill
- Richburg – Right off I-77 for quick Charlotte and Columbia commutes
VA One-Time Close Construction Loans
Veterans interested in building can use a VA OTC loan to purchase land and fund the build with one closing. Chester County’s rural landscape is ideal for:
- Custom builds near Fishing Creek Lake
- Land along SC-9 and SC-901 corridors
- Unrestricted acreage between Chester and Rock Hill
2025 VA Loan Limits for Chester 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 Chester County
- Lower cost of living with access to metro job markets
- Large lots and land available for affordable new builds
- Growing residential development near I-77
- Close to VA medical care in Rock Hill and Columbia
- Small-town charm with community pride
The Local Ledger proudly serves veterans in Calhoun County and throughout South Carolina. Whether you’re relocating, retiring, or buying for the first time, our team is here to make the VA loan process easy and rewarding.
