Located just outside Columbia, Lexington County is a prime location for veterans, active-duty service members, and military families looking to buy or build a home in central South Carolina. With strong schools, convenient interstate access, and growing neighborhoods, it’s no surprise that more VA buyers are choosing Lexington.
Why Choose a VA Loan in Lexington County?
A VA loan makes homeownership more accessible by eliminating many of the traditional barriers to buying a home. Here’s what makes it ideal in Lexington County:
– **$0 Down Payment** – You can finance 100% of your home
– **No PMI** – Eliminate costly monthly insurance
– **Low VA Interest Rates** – Preferred terms for eligible veterans
– **Build, Buy, or Invest** – VA loans cover a wide range of property types
– **Flexible Credit Requirements** – Ideal for many first-time and move-up buyers
VA Purchase Loans
Use your VA loan benefit to purchase:
– Single-family homes
– New construction in developing subdivisions
– VA-approved condos or townhomes
**Popular areas for VA buyers include:**
– **Lexington** – Suburban charm and great schools
– **West Columbia** – Affordable options with quick downtown access
– **Chapin** – Near Lake Murray, perfect for VA-approved second homes
– **Red Bank & Oak Grove** – Fast-growing and still affordable
VA One-Time Close Construction Loans
Want to build from the ground up? The VA One-Time Close (OTC) program lets you roll your land purchase, construction, and final mortgage into one VA loan. This eliminates multiple closings and helps you control cost.
**Great for building in:**
– **Pelion**
– **Swansea**
– **Gilbert**
– **Rural portions of Batesburg-Leesville and beyond**
2025 VA Loan Limits for Lexington 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 Lexington County
– Just minutes from Fort Jackson and Columbia VA Health Care
– Rural land and suburban options available
– Great for families, investors, and those retiring from service
– Lake Murray offers a unique lifestyle for eligible VA buyers
Resources for Veterans in SC
We’re proud to help veterans across Lexington County and central South Carolina achieve their dream of homeownership with expert VA loan support and local insight.
