{{GOOGLE_VERIFICATION}} VA Loan Calculator for South Carolina (SC) — Free Calculator | MortgageCalcTools

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VA Loan Calculator for South Carolina

Free va loan calculator tailored for South Carolina (SC). Calculate instantly with state-specific rates and rules.

Home Price ($)

Down Payment (%)

Interest Rate (%)

Loan Term

Usage & Service Type

Disability Exempt (0% funding fee)

Down Payment

Base Loan Amount

VA Funding Fee

Total Loan (with fee)

Monthly Payment

PMI Savings vs Conventional

Total Interest Over Life

Total Cost

VA Loans in South Carolina

VA loans allow eligible veterans and active-duty service members to buy a home in South Carolina with no down payment. On the median South Carolina home of $290,000, that's the full $290,000 financed — no down payment required.

VA Loan Limits in South Carolina

Veterans with full entitlement have no VA loan limit. The conforming limit of $726,200 in South Carolina is relevant only for veterans with reduced entitlement. All South Carolina counties are at the standard conforming limit.

VA Funding Fee

Most VA borrowers pay a one-time VA funding fee: 2.15% for first use with no down payment (1.5% with 5%+ down). On a $290,000 loan, the funding fee is approximately $6,235. Veterans with service-connected disabilities are exempt.

Property Taxes in South Carolina

VA loans don't change your property tax obligation. South Carolina's effective rate is 0.57%, adding ~$138/month to your VA PITI payment.

Data: Tax Foundation (2024), US Census Bureau ACS 2023, Zillow, ATTOM Data Solutions. Updated 2024–2025. Figures reflect state averages — consult a licensed professional for personalized advice.

VA Loan Calculator for Other States

Frequently Asked Questions

Can I use a VA loan in South Carolina?

Yes. VA loans are available in all states including South Carolina. Eligible veterans and service members can buy the median South Carolina home ($290,000) with no down payment.

What is the VA loan limit in South Carolina?

Veterans with full entitlement have no loan limit. For those with reduced entitlement, the baseline conforming limit of $726,200 applies. All South Carolina counties are at the standard conforming limit.

How much is the VA funding fee in South Carolina?

For a first-use VA loan with no down payment, the funding fee is 2.15% of the loan amount. On South Carolina's median home of $290,000, that's approximately $6,235. Veterans with service-connected disabilities pay no funding fee.

What are closing costs on a VA loan in South Carolina?

VA loans have lender-paid and buyer-paid closing costs. Buyers typically pay $2,900 in South Carolina. South Carolina charges a deed recording fee ($1.85/$500 of value) and a mortgage recording fee. Total closing costs are moderate by Southeast standards. Sellers can also contribute to closing costs.

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+v.toLocaleString('en-US',{minimumFractionDigits:2,maximumFractionDigits:2});};window.calcVA=function(){var price=parseFloat(document.getElementById('va-price').value)||0;var downPct=parseFloat(document.getElementById('va-down').value)||0;var rate=parseFloat(document.getElementById('va-rate').value)||0;var term=parseInt(document.getElementById('va-term').value)||30;var feePct=parseFloat(document.getElementById('va-usage').value)||2.15;var exempt=document.getElementById('va-exempt').checked;if(exempt)feePct=0;if(downPct>=5&&downPct<10)feePct=Math.max(feePct-0.5,0);if(downPct>=10)feePct=Math.max(feePct-0.9,0);var downAmt=price*(downPct/100);var baseLoan=price-downAmt;var feeAmt=baseLoan*(feePct/100);var totalLoan=baseLoan+feeAmt;var r=rate/100/12;var n=term*12;var monthly=0;if(r===0){monthly=totalLoan/n;}else{monthly=totalLoan*(r*Math.pow(1+r,n))/(Math.pow(1+r,n)-1);}var convPMIrate=0.007;var monthlyPMIsave=downPct<20?(baseLoan*convPMIrate/12):0;var totalInterest=(monthly*n)-totalLoan;var totalCost=(monthly*n)+downAmt;document.getElementById('va-down-amt').textContent=fmt(downAmt);document.getElementById('va-base-loan').textContent=fmt(baseLoan);document.getElementById('va-fee-amt').textContent=fmt(feeAmt)+' ('+feePct.toFixed(2)+'%)';document.getElementById('va-total-loan').textContent=fmt(totalLoan);document.getElementById('va-monthly').textContent=fmt(monthly);document.getElementById('va-pmi-save').textContent=fmt(monthlyPMIsave)+'/mo';document.getElementById('va-total-interest').textContent=fmt(totalInterest);document.getElementById('va-total-cost').textContent=fmt(totalCost);document.getElementById('va-result').classList.add('show');};})();