South Carolina VA Loan Resources Hub

Every free tool, guide, and resource Mike publishes, all in one place.

Program figures verified July 2026. Details change; confirm your scenario with us.

Downloadable PDFs

• The SC first-time VA buyer guide: using VA financing in South Carolina: eligibility, calculations, SC-specific advantages (SC Code §12-37-220, Down Payment Assistance), VA appraisal, refinancing, and pitfalls.
• SC Veteran discounts & benefits guide: quarterly-updated guide to SC + federal Veteran benefits, discounts, and tax breaks.

Calculators (8 total)

• VA loan calculator for South Carolina (BAH → Purchase Price): base + rank → max SC home price with SC summer utility reality
• Funding Fee Calculator: first use vs subsequent + disability waiver
• PITI Payment Calculator: full monthly with SC county property tax + insurance + HOA
• Max $0-Down Purchase Calculator: income → max VA home price at 41% DTI guideline
• SC Code §12-37-220 Tax Savings Calculator: disabled Veteran property tax exemption $ savings
• IRRRL Recoupment Calculator: 36-month VA rule pass/fail
• Disability Gross-Up Calculator: 25% boost to qualifying income
• Residual Income Calculator: VA's South region 2026 thresholds
• All calculators in one place

Core SC VA loan guides

• Home: site index + base routing
• Eligibility: COE, service requirements, entitlement
• 2026 SC Loan Limits: every SC county + jumbo
• SC Code §12-37-220 Disabled Veteran Property Tax: 2026 expansion in-depth look
• Funding Fee + Waiver: 10%+ disability waiver
• VA IRRRL simplify refinance in South Carolina
• First-Time VA Buyer
• Assumable VA Loans

SC-specialist content (zero-national-coverage)

• SC DPA + VA Stacker: Chenoa Fund + Arrive Home + Essex/NHF Sapphire national DPA layering
• VA Construction Loans in SC: single-close vs two-close + SC builder list
• Retiring Veteran guide: choosing an SC metro + the VA loan implications
• Tribal Lands + NADL: 22 SC tribes + Native American Direct Loan
• Master-planned community VA approval: Del Webb at Cane Bay, Nexton, Carnes Crossroads, and similar SC communities
• Hurricane and flood + Insurance Reality: Charleston, Hilton Head, Myrtle Beach, Beaufort
• Charleston vs Columbia vs Greenville: SC metro comparison
• First-time VA buyer guide: step-by-step for a PCS or first purchase
• SC Retiring Veteran Guide: top-3 US retirement state for Veterans
• VA Loan Glossary: 75+ SC-relevant terms

Comparison pages

• VA Loan vs FHA in South Carolina
• VA Loan vs Conventional in South Carolina
• VA Loan vs USDA in South Carolina

Base hubs (deep PCS guides)

• Fort Jackson: Army Basic Combat Training, Columbia
• Shaw AFB: 20th Fighter Wing, F-16, Sumter
• MCAS Beaufort: Marine Fighter Attack Training Squadron, Beaufort
• JB Charleston: Air Mobility Command + Naval Weapons Station, Charleston

City guides

• Columbia · Charleston · Greenville · Mount Pleasant · Myrtle Beach · Beaufort · Sumter

Veteran discounts

• Statewide SC Veteran discounts: state programs + federal benefits + national chains
• Charleston metro discounts
• Columbia area discounts
• SC Veteran discounts & benefits

Free services

• SC VA Credit Tune-Up: free credit coaching for Veterans planning to buy in 6-12 months
• 60-Second Eligibility Check: 3-step intake, no credit pull

Connect with Mike

• About Mike: credentials, NMLS, philosophy
• Contact: phone, email, contact form
• For Real Estate Agents: Realtor referral playbook

External resources worth knowing

• NMLS Consumer Access: verify Mike's license + Cornerstone's license
• VA Home Loan Benefits (VA.gov): official VA loan documentation
• SC Department of Veterans' Services: state Veteran programs
• Chenoa Fund. National VA-compatible DPA program, no income limits
• Arrive Home DPA. National VA-compatible forgivable grant program