Colleton County offers a rare blend of Lowcountry charm, outdoor living, and rural affordability. For veterans and service members, this area is perfect for using a VA loan to purchase or build with $0 down and no PMI.
Why Use a VA Loan in Colleton County?
- 100% Financing – No down payment required for qualified buyers
- No Private Mortgage Insurance – Save hundreds monthly
- Below-Market Rates – Lock in affordable, fixed terms
- Lenient Credit Guidelines – Flexible for a variety of borrowers
- Perfect for Building or Buying – Great land options and rural zoning
VA Purchase Loans in Colleton County
Veterans can use their VA entitlement to purchase:
- Single-family homes and VA-approved condos
- Modular or manufactured homes (if approved)
- Multi-family (2–4 units) with occupancy in one
Top towns for VA homebuyers include:
- Walterboro – Historic district with shopping, restaurants, and I-95 access
- Lodge – Peaceful farmland and room to build
- Smoaks & Ruffin – Quiet country settings near major routes
VA One-Time Close Construction Loans
Build your dream home and finance your land and construction in one process. Colleton County’s rural layout makes it an ideal setting for new builds with your VA entitlement.
Top areas to build in Colleton County:
- Outside Walterboro city limits
- Farmland near Smoaks, Ruffin, or Islandton
- Unrestricted lots near I-95 or SC-64 corridors
2025 VA Loan Limits for Colleton 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 Colleton County
- Affordable rural land and homes
- Close to Charleston, Beaufort, and Savannah
- Access to nature, rivers, and hunting preserves
- Strong local community and low property taxes
- Flexible loan options for first-time or move-up buyers
From historic neighborhoods to custom land builds, The Local Ledger is proud to help veterans in Colleton County buy or build with confidence. Let’s put your VA benefits to work today.
