VA loans in Beaufort.
The Beaufort County figure on this page is a county reference only; it is not an address-based lookup for Beaufort. Confirm the property's county before relying on it.
Beaufort County reference value. County reference, not an address-based lookup. Confirm the county of the property before using this value; city and metro boundaries can cross counties.
Source: FHFA Full County Loan Limit List for 2026 (HERA-based, final). One-unit limit; applies to mortgages acquired in calendar year 2026. Source checked 2026-09-16. · Beaufort County (FIPS 45013)
County reference, not an address-based lookup. Confirm the county of the property before using this value; city and metro boundaries can cross counties. Look the property's county up at FHFA.
What the county figure means here.
A borrower with full VA entitlement does not have a VA loan limit, subject to lender approval, ability to repay, and the appraised value or purchase price. The FHFA one-unit county conforming loan limit matters primarily when calculating remaining bonus entitlement for a borrower who does not have full entitlement, and it may affect whether a down payment is required.
Beaufort County carries a $832,750 one-unit conforming loan limit value for 2026, and that is the county figure we reference for Beaufort. County reference, not an address-based lookup. Confirm the county of the property before using this value; city and metro boundaries can cross counties. Whichever county your property is in, the value is used in remaining-entitlement calculations — including on a 2–4 unit property — and is not a cap on what a fully-entitled buyer can finance.
Planning around BAH? Rates vary by pay grade, dependency status, and ZIP-based Military Housing Area — verify yours on the official DoD BAH calculator.
This site does not publish current rates or APRs. Your rate and terms depend on your credit profile, income and assets, the property, market conditions, lock timing, points or lender credits, underwriting, and final lender approval. Request a personalized quote from Bolt Home Loans LLC.
Estimate a payment with your own rate assumptionCity of Beaufort Historic Review Board: staged, digital-only applications
The City of Beaufort's Historic Review Board application, handled by its Community and Economic Development Department, covers Certificates of Appropriateness under Section 9.10 of the Beaufort Code. Requests can be conceptual, preliminary or final, and all forms must be submitted digitally with the checklist items. The Board typically meets on the second Wednesday of each month.
The form also asks, under state law, whether a recorded covenant conflicts with the proposed work. Practical step: if you plan exterior work on a historic-district home, check the Board's deadline schedule and your deed restrictions early, since a multi-stage review can take more than one monthly meeting. The form also offers a separate Bailey Bill approval path, which requires its own preliminary review application.
Beaufort County's 4% legal residence application is not automatic
Beaufort County's Assessor lists the Legal Residence Exemption Application (4%) among its forms, available online or as a PDF, with additional filing requirements and an instructional video. Online filers must upload the required documents; if you cannot, the County says to use the PDF version.
The same page offers the 6% property exemption and assessable transfer of interest forms and an appeal form with its own filing dates. Practical step: after closing and moving in, file the 4% legal residence application with your documents rather than assuming the seller's status carries over. Questions go to the Assessor's office at 100 Ribaut Road, and a representative filing for you needs a notarized power of attorney form, which the County also publishes.
- FHFA — Conforming loan limit values
- City of Beaufort — Historic Review Board Application (PDF)
- Beaufort County Assessor — Forms
- VA — Home loan entitlement and limits
Sources checked 2026-09-23. Educational information only, not legal, tax or underwriting advice.
VA loan programs available in SC.
$0 down in Beaufort. No PMI.
Lower your rate. Minimal paperwork.
Up to 100% LTV — conventional caps at 80%.
$0 down above conforming.
Finance repairs into your purchase.
Roll energy upgrades into the loan.
Widows and widowers of SC veterans qualify.
Zero down, no PMI, and a 100% funding-fee waiver on a home in Beaufort, subject to eligibility verification and Certificate of Eligibility issuance.
Surviving spouse guideDisabled veteran? Stack the SAH grant on your Beaufort purchase.
Up to $126,526 in FY 2026 toward a VA-approved plan to acquire, construct, or adapt a suitable home. VA approves eligibility and use; the grant is separate from your VA home loan.
SAH grant guideVA loans in Beaufort — answered.
FHFA sets conforming loan limit values by county, not by city, and there is no single published figure for a city as such. The county we reference for Beaufort is Beaufort County (FIPS 45013), whose official 2026 one-unit value is $832,750 per the FHFA Full County Loan Limit List. County reference, not an address-based lookup. Confirm the county of the property before using this value; city and metro boundaries can cross counties. The figure only matters for remaining-entitlement calculations — with full entitlement there is no VA loan limit, subject to lender approval, ability to repay and appraised value.
BAH varies by pay grade, dependency status, and ZIP-based Military Housing Area, and DoD updates rates annually. Check your exact rate on the official DoD BAH calculator. Lenders may count BAH as qualifying income, subject to underwriting.
A VA-eligible borrower with full entitlement may be able to pursue a primary-residence purchase in Beaufort with no down payment and no monthly PMI. Eligibility, credit, income, the VA appraisal, and final lender approval all apply, and closing costs and prepaids are still due.
An unremarried surviving spouse of a veteran who died in service or from a service-connected disability may qualify for the full VA benefit in Beaufort — zero down, no PMI, and a 100% funding-fee waiver, subject to eligibility verification.