Fairfield County offers veterans a quiet lifestyle, abundant land, and affordable real estate — all just 30 minutes north of Columbia. With $0 down and no PMI, a VA loan can help you purchase or build a home with less upfront cash and greater long-term value.
Why Use a VA Loan in Fairfield County?
- $0 Down – Finance 100% of your home purchase
- No PMI – Save monthly without private mortgage insurance
- Lower Interest Rates – VA loans offer competitive terms
- Flexible Guidelines – Easier to qualify than conventional loans
- Great for Rural Living, Land, and Custom Homes
VA Purchase Loans in Fairfield County
VA loans can be used to purchase:
- Single-family homes
- VA-approved manufactured or modular homes
- 2–4 unit properties (must occupy one unit)
Top areas for homebuyers include:
- Winnsboro – Historic charm and central access
- Ridgeway – Close to Lake Wateree and growing neighborhoods
- Mitford & Monticello – Peaceful countryside with available land
VA One-Time Close Construction Loans
Fairfield County is ideal for veterans looking to build. A VA OTC loan lets you combine land, construction, and your permanent mortgage into one streamlined loan with one closing and one set of paperwork.
Great places to build:
- Near Lake Wateree – Water access and wooded lots
- Outskirts of Ridgeway and Winnsboro
- Unrestricted tracts near SC-34 and SC-215
2025 VA Loan Limits for Fairfield 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 Fairfield County
- Low property prices and quiet neighborhoods
- Easy commute to Columbia via I-77
- Eligible for VA and USDA rural loans
- Excellent for VA OTC land-and-build projects
- Peaceful lakefront living near Lake Wateree
Explore More VA Loan Areas
From historic Winnsboro to lakefront Ridgeway, Fairfield County has something for every veteran. Let The Local Ledger guide you through the VA loan process so you can purchase or build with zero down and full support every step of the way.
