South Carolina veterans are building everywhere from the Lowcountry to the Upstate, and the VA One-Time Close is often the only realistic path to a zero-down custom build. NoSo Funding closes VA construction loans across the entire state.
The VA One-Time Close construction loan finances your land and construction in a single loan that closes one time. Eligible veterans and active-duty service members can finance up to 100% of the project cost with no down payment, and construction interest is built into the budget so you make no monthly payments during construction. When the home is complete, your permanent rate is set through a modification, and many borrowers reduce their rate at completion.
If you already own your land in South Carolina, the loan can pay off an existing land loan at closing, and landowners with equity can have closing costs covered through a builder credit. If you don't own land yet, the lot purchase and the build are financed together.
We see strong activity in the Lowcountry (Beaufort, Bluffton, Hilton Head area), the Midlands around Columbia and Fort Jackson, the Upstate (Greenville, Spartanburg), and the Pee Dee region including Florence County. Coastal and ARB-governed communities have extra plan-approval steps, and we know how to sequence those with the loan timeline.
The South Carolina Department of Veterans' Affairs supports veteran homeowners statewide. South Carolina also offers a full property tax exemption on a primary residence for qualifying totally and permanently disabled veterans; your county assessor can confirm eligibility.
Yes. The One-Time Close finances the lot and construction in a single closing with no down payment for eligible veterans.
Communities in the Beaufort and Hilton Head area often require ARB plan approval. Contract purchasers can typically submit plans with seller authorization before the land closes, and we help you time that against underwriting.
Yes. Rural acreage builds are a large share of our SC volume, and we prepare appraisers with a full project package to support value.
Learn more about your path: VA construction loans for landowners or VA construction loans without land. Or browse our full VA construction loan FAQ.
Answer a few quick questions and we'll reach out to discuss your project.
Get Started Now