VA Loan Limits in South Carolina (2026)
For 2026, the VA county loan limit for most South Carolina counties is $832,750 for a single-family home — but only for veterans with partial entitlement. South Carolina has no high-cost counties, so the baseline applies statewide.
With full VA entitlement, there is no loan limit in South Carolina — eligible veterans buy at any price a lender approves with $0 down and no monthly mortgage insurance.
VA loan limits by county in South Carolina
| County | 1-Unit | 2-Unit | 4-Unit | Tier |
|---|---|---|---|---|
| Greenville County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Richland County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Charleston County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Horry County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Spartanburg County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Lexington County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| York County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Berkeley County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Anderson County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Aiken County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Beaufort County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Dorchester County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Florence County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Pickens County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Sumter County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Lancaster County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Oconee County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Orangeburg County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Laurens County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Darlington County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Georgetown County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Kershaw County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
South Carolina's median home price is roughly $320,000. With $0 down and no PMI, an example VA payment near that price is about $2,281/month including the financed funding fee, taxes, and insurance.
Using your VA benefit in South Carolina
The VA home-loan benefit lets eligible South Carolina veterans, active-duty service members, and surviving spouses buy with no down payment, no monthly mortgage insurance, and competitive rates. The county limits above only matter if your entitlement is reduced — otherwise there is no cap.
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Frequently Asked Questions
- What is the VA loan limit in South Carolina for 2026?
- With full entitlement, none. For partial entitlement, most South Carolina counties use the $832,750 conforming baseline; high-cost counties go up to $1,249,125.
- Do VA loans in South Carolina require a down payment or PMI?
- No. Eligible borrowers can buy with $0 down, and VA loans never charge monthly mortgage insurance.