Tucked between Aiken and Greenwood Counties, Edgefield County is a quiet, countryside destination perfect for veterans seeking space, affordability, and a slower pace of life. Whether you’re moving from Fort Gordon or looking to build on land, VA loans are a powerful option for purchasing or constructing a home in this region.
Why Veterans Choose Edgefield County for VA Loans
Edgefield County offers unique opportunities for rural living with full access to VA financing options. With lower land prices, less competition, and proximity to Augusta and Aiken, it’s a prime spot for building a homestead or settling into retirement.
- $0 Down with VA Loan Eligibility – Buy or build without a down payment
- No PMI – Lower monthly costs with no private mortgage insurance
- VA-Backed Interest Rates – Competitive rates that beat most conventional loans
- OTC Construction or Existing Homes – Flexible options depending on your goals
- Ideal for Rural Builds – Great for large acreage and custom homes
VA Purchase Loans in Edgefield County
Use your VA loan benefit to buy:
- Single-family homes
- VA-approved townhomes or condos (if available)
- 2–4 unit multi-family properties (with primary occupancy)
Popular areas for VA buyers include:
- Edgefield – Historic charm and community appeal
- Johnston – Affordable homes and rural tracts
- Trenton – Wide-open spaces and agricultural potential
- Merriwether – Close to North Augusta and the Georgia line
VA One-Time Close Construction Loans
Edgefield County is perfect for veterans who want to build their forever home. The VA One-Time Close (OTC) construction loan streamlines the process by combining land, build costs, and permanent mortgage into one closing.
Top rural build locations include:
- North of Edgefield toward McCormick County
- Larger tracts outside Johnston and Trenton
- Private acreage near Merriwether and Sweetwater Road corridor
- Unrestricted rural land along SC-23 and SC-25
2025 VA Loan Limits for Edgefield 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 Love Edgefield County
- Secluded but still convenient to Augusta and Aiken
- Room to build, farm, or invest in land
- Lower taxes and cost of living
- Military retirement-friendly area
At The Local Ledger, we’re proud to help veterans and military families finance rural homes and land across Edgefield County with expert guidance and personal service.
