Oconee County offers scenic living, abundant outdoor recreation, and affordable homes near South Carolina’s stunning Blue Ridge Mountains. It’s a haven for veterans looking to enjoy peace, privacy, and the benefits of a $0 down VA loan.
Why Use a VA Loan in Oconee County?
- $0 Down Payment – 100% financing with no out-of-pocket down payment
- No PMI – Save monthly with no private mortgage insurance
- Low Interest Rates – Enjoy lower rates than most conventional buyers
- Rural Build Potential – Perfect for VA One-Time Close construction loans
- Close to Nature – Ideal for retirement or off-grid living
VA Purchase Loans in Oconee County
Veterans can use their VA benefits to buy:
- Single-family homes and manufactured housing
- VA-approved townhomes and condos
- Multi-unit properties (up to 4 units, if one is owner-occupied)
Hotspots for VA buyers in Oconee County include:
- Seneca – Largest city with hospitals, dining, and retail
- Walhalla – Charming downtown with Appalachian access
- Westminster – Affordable homes and outdoor adventure
- Salem – Near Lake Keowee and golf communities
VA One-Time Close Construction Loans
Oconee County is prime for custom home construction. The VA One-Time Close loan lets you purchase land and build in one simplified process.
Great areas to build with a VA OTC loan include:
- Long Creek and Mountain Rest – Remote acreage with mountain views
- Near Lake Jocassee and Keowee – Waterfront lots or wooded parcels
- Rural Salem and Tamassee – Perfect for a quiet homestead
- Edge of Sumter National Forest – Build with space to breathe
2025 VA Loan Limits for Oconee 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 Oconee County
- Breathtaking mountain and lake views
- Strong outdoor lifestyle with trails, waterfalls, and fishing
- Excellent for off-grid or retirement builds
- Friendly communities with a low cost of living
- VA care available in nearby Anderson or Greenville
