McCormick County offers a peaceful, scenic lifestyle with easy access to Lake Thurmond and the Georgia border. If you’re a veteran or active-duty service member, VA loans make it easier than ever to buy or build here with $0 down, no PMI, and favorable terms for rural and waterfront properties.
Why Use a VA Loan in McCormick County?
- Zero Down Payment – Buy without a large upfront investment
- No Private Mortgage Insurance – Keep monthly payments low
- Low Interest Rates – Competitive VA-backed terms
- Flexible Credit Requirements – Easier approval than conventional loans
- Great for Rural Properties & New Builds
VA Purchase Loans in McCormick County
Use your VA benefit to purchase:
- Single-family homes
- VA-eligible manufactured or modular homes
- 2–4 unit properties if one is your primary residence
Popular homebuying locations:
- McCormick – Charming town with easy access to Augusta
- Modoc – Lake Thurmond access with beautiful wooded homesites
- Plum Branch & Willington – Great for peaceful rural living
VA One-Time Close Construction Loans
McCormick County is perfect for buyers who want to build their dream home. A VA OTC loan lets you purchase land and fund the construction with one closing, one approval, and one monthly payment.
Top areas for building:
- Lake Thurmond waterfront tracts
- Outskirts of McCormick town limits
- Rural land near SC-28, SC-23, and SC-378
2025 VA Loan Limits for McCormick 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 McCormick County
- Low home prices and rural setting near Lake Thurmond
- Great for second homes or peaceful retirement living
- Waterfront and land parcels ideal for VA construction loans
- Close to Augusta and Savannah River military facilities
- Veteran-friendly and lightly zoned building areas
If you’re dreaming of life by the lake or a quiet country build, The Local Ledger is ready to help. We guide veterans through the VA loan process from pre-approval to closing in McCormick County and beyond.
