Hampton County is ideal for veterans looking to build or buy in a quiet, affordable setting. With open land, small towns, and proximity to Beaufort and Savannah, it’s a prime location to use your VA loan benefit in South Carolina.
Why Use a VA Loan in Hampton County?
- No Down Payment Required – Buy with 0% down if eligible
- No PMI – Eliminate costly monthly insurance
- Low VA Interest Rates – Save over the life of the loan
- Flexible Credit Guidelines – Easier qualification standards
- Perfect for Land, New Builds, or Existing Homes
VA Purchase Loans in Hampton County
Use your VA eligibility to buy:
- Single-family homes and townhomes
- VA-approved modular or manufactured homes
- Multi-family homes (up to 4 units with primary residence)
Popular towns for veterans include:
- Hampton – Quiet town with schools, services, and walkability
- Varnville – Small-town charm with nearby access to medical care
- Estill & Scotia – Great for rural builds and land purchases
VA One-Time Close Construction Loans
Hampton County offers plenty of land and light zoning for veterans looking to build. The VA OTC loan allows you to roll land, construction, and your mortgage into one loan—no second closing required.
Top build areas:
- Outside Hampton and Varnville town limits
- Rural tracts near Estill, Scotia, or Gifford
- Acreage along SC-363, US-278, and rural highways
2025 VA Loan Limits for Hampton 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 Hampton County
- Low housing prices and generous land availability
- Close to Beaufort, Savannah, and Charleston via US-278
- Supportive communities with low property taxes
- VA loan-friendly rural market with OTC loan potential
- Small-town lifestyle and outdoor recreation access
Whether you’re buying your next home or building from the ground up, The Local Ledger is proud to help Hampton County veterans unlock homeownership with expert VA loan guidance and support.
