Nestled in South Carolina’s Upstate region, Cherokee County offers veterans a peaceful lifestyle with quick access to Charlotte, Spartanburg, and I-85. Whether you’re looking to buy or build, a VA loan can help you take advantage of $0 down and flexible financing options in this affordable, veteran-friendly area.
Why Use a VA Loan in Cherokee County?
- $0 Down Payment – Buy without saving for a large down payment
- No PMI – Keep monthly costs lower without private mortgage insurance
- Low, Fixed VA Interest Rates – Competitive compared to conventional loans
- Rural and Suburban Qualifying Properties
- Perfect for First-Time or Repeat Buyers
VA Purchase Loans in Cherokee County
Buy your next home using your VA eligibility to finance:
- Single-family homes
- VA-approved townhomes or condos
- Multi-unit (2–4 units) if you occupy one as your primary residence
Top areas for VA buyers include:
- Gaffney – County seat with shopping, services, and schools
- Blacksburg – Small-town charm and land availability
- Rural tracts near I-85 and State Route 5
VA One-Time Close Construction Loans
Looking to build instead of buy? Cherokee County offers affordable acreage and light zoning, making it an ideal place to use a VA OTC construction loan to purchase land and build your dream home with one closing and one monthly payment.
Great build areas include:
- North and west of Gaffney on unrestricted land
- Outskirts of Blacksburg with open acreage
- Rural zones along SC-105, SC-18, and SC-329
2025 VA Loan Limits for Cherokee 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 Cherokee County
- Affordable real estate and property taxes
- Close to Spartanburg, Charlotte, and I-85 corridor
- Rural land options perfect for VA OTC loans
- Quiet, community-driven towns like Gaffney and Blacksburg
- Easy commutes to VA hospitals and outpatient clinics in the Upstate region
Explore More VA Loan Areas
The Local Ledger is proud to support Cherokee County veterans with expert guidance and top-tier loan options. Whether you’re buying in Gaffney or building on acreage near Blacksburg, your VA benefit can take you further here.
