Beaufort County is home to military tradition, coastal charm, and some of South Carolina’s most sought-after real estate. Whether you’re stationed at Marine Corps Air Station (MCAS) Beaufort, retiring to Hilton Head, or relocating with your family, VA loans offer powerful financial advantages to help you buy or build your next home in the Lowcountry.
Why Choose a VA Loan in Beaufort County?
For eligible veterans and service members, Beaufort County offers strong VA loan opportunities thanks to:
– **$0 Down Payment** – Move in without large upfront costs
– **No PMI** – Save on monthly payments
– **Competitive Interest Rates** – Below-market rates for VA borrowers
– **Flexible Credit Requirements** – Ideal for active-duty and veterans
– **Construction & High-Balance Options** – Perfect for custom builds and higher-value homes
VA Purchase Loans
Use your VA loan to buy:
– Single-family homes and condos
– Townhomes in master-planned communities
– Multi-family properties up to 4 units (if you live in one)
**Ideal for buyers relocating to:**
– **Beaufort** – Near MCAS, historic and military-friendly
– **Port Royal** – Affordable coastal living with great access
– **Bluffton** – One of the fastest-growing towns in SC
– **Hilton Head Island** – Higher-value homes with VA jumbo eligibility
VA One-Time Close Construction Loans
If you’re looking to build, the VA One-Time Close loan allows you to finance the land, construction, and permanent mortgage in a single package. This is especially useful for:
– Custom homes in rural or developing areas
– Veterans retiring to the coast
– Military families with specific housing needs
**Popular build areas include:**
– **Sheldon**
– **Lobeco**
– **Dale**
– **Northern Bluffton outskirts**
2025 VA Loan Limits for Beaufort County
| Property Type | VA Loan Limit |
|---|---|
| 1 Unit | $750,000 |
| 2 Units | $960,300 |
| 3 Units | $1,160,175 |
| 4 Units | $1,442,400 |
Why Veterans Choose Beaufort County
– Proximity to MCAS Beaufort and Parris Island
– Veteran-owned businesses and strong military community
– World-class golf, beaches, and amenities
– Higher-value homes that still qualify for VA benefits
