Allendale County offers quiet living, affordability, and wide-open rural spaces—making it a prime choice for veterans who want to use their VA loan benefits in a peaceful, low-cost market. Whether you’re purchasing a modest home or building new on acreage, this region supports flexible VA loan options.
Why Use a VA Loan in Allendale County?
- $0 Down Payment – Finance up to 100% with no money down
- No PMI – VA buyers skip private mortgage insurance entirely
- Competitive Rates – Lower-than-average interest compared to conventional loans
- Build or Buy Flexibility – VA loans support both resale homes and construction
- Fewer Overlays – Ideal for borrowers with modest credit or limited reserves
VA Purchase Loans in Allendale County
Use your VA eligibility to buy:
- Single-family homes (existing or new)
- VA-approved condos
- 2–4 unit properties (if you’ll occupy one unit)
Best areas to buy include:
- Allendale – The county seat, near USC Salkehatchie
- Fairfax – Small town charm with affordable housing
- Sycamore & Ulmer – Quiet neighborhoods with large lots
VA One-Time Close Construction Loans
Allendale County is ideal for VA One-Time Close (OTC) construction loans. These loans combine land purchase, construction costs, and a permanent mortgage into one.
Popular rural build zones include:
- South of Allendale – Larger parcels with no HOA restrictions
- Near Fairfax and SC-64 corridor – Easy access to services and space to build
- West toward the Savannah River – Wooded land and peaceful settings
2025 VA Loan Limits for Allendale 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 Allendale County
- Affordable land and homes ideal for first-time buyers or retirees
- Peaceful country living with access to major VA loan benefits
- Low taxes and minimal building restrictions
- Potential for custom homes with minimal upfront investment
- Strong sense of community with local schools and churches
The Local Ledger is proud to support veterans in Allendale County and across South Carolina. If you’re ready to build or buy in a rural community, we’re here to help guide your journey from start to finish.
