Union County, nestled in the upstate region of South Carolina, is a great fit for veterans seeking peaceful surroundings, affordable homes, and land to build on. With access to the VA loan program, eligible buyers can purchase or construct a home with little or no money down.
Why Use a VA Loan in Union County?
- $0 Down Payment – Buy a home without needing large upfront savings
- No PMI – Lower monthly payments without private mortgage insurance
- Low Interest Rates – Enjoy favorable loan terms backed by the VA
- Build, Buy, or Renovate – One loan can cover many goals
- More Flexible Guidelines – Ideal for first-time or recovering credit borrowers
VA Purchase Loans in Union County
Use your VA eligibility to purchase:
- Single-family homes
- VA-approved condos or modular homes
- 2–4 unit properties with primary residence occupancy
Popular areas include:
- Union – The historic county seat with parks and revitalized downtown
- Jonesville – Small-town charm with quick access to Spartanburg
- Buffalo & Carlisle – Quiet communities near forest land and lakes
VA One-Time Close Construction Loans
VA OTC loans allow you to purchase land and finance construction in one simplified process. This option is perfect for rural and unrestricted areas in Union County.
Top spots to build include:
- Outskirts of Union and Jonesville
- Unincorporated land near US-176 or SC-49
- Larger wooded parcels near Sumter National Forest
2025 VA Loan Limits for Union 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 Union County
- Easy access to Spartanburg and Columbia via highways
- Lower property taxes and affordable land
- Great opportunities for custom builds or fixer-uppers
- Small-town values and supportive communities
- Proximity to national forests, hunting, and outdoor recreation
At The Local Ledger, we’re committed to serving veterans in Union County and beyond. Whether you’re buying your first home or building on land, we’ll help you unlock the full power of your VA benefits.
