Chesterfield County offers a rural lifestyle, low property costs, and peaceful communities — making it an ideal spot for veterans and active-duty buyers using a VA loan. Whether you want to buy a home or build from the ground up, your VA benefit stretches further in this low-cost region of South Carolina.
Why Use a VA Loan in Chesterfield County?
- $0 Down – Buy without saving for a large down payment
- No PMI – Lower monthly payments with no mortgage insurance
- Flexible Credit Requirements – Great for first-time or recovering borrowers
- Excellent for Rural and New Construction Homes
- Backed by the U.S. Department of Veterans Affairs
VA Purchase Loans in Chesterfield County
VA loans can be used to buy:
- Single-family detached homes
- VA-approved modular or manufactured homes
- 2–4 unit properties (you must live in one unit)
Top areas for VA buyers include:
- Pageland – Close to Monroe and Charlotte suburbs
- Chesterfield – County seat with historic charm
- McBee, Jefferson & Mt. Croghan – Quiet towns with land availability
VA One-Time Close Construction Loans
Chesterfield County has ideal zoning and land prices for VA-backed construction. A One-Time Close (OTC) loan allows you to buy land and fund construction with a single closing and no second underwriting.
Best build areas include:
- Open land outside Pageland and Jefferson
- Acreage near Patrick and McBee
- Wooded rural tracts with space to grow
2025 VA Loan Limits for Chesterfield 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 Chesterfield County
- Close to NC border and short drive to Charlotte or Florence
- Quiet country living and tight-knit communities
- Affordable homes and buildable land
- Ideal for OTC loans and USDA-eligible properties
- Low taxes and minimal zoning restrictions
Whether you’re relocating to the Upstate or building your first home on rural land, The Local Ledger can guide you through the VA loan process in Chesterfield County with personalized support and powerful financing tools.
