Columbia VA Loan Rates, Closing Costs & Stats

COLUMBIA, SC

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    • A VA loan is a mortgage loan that’s backed by the Department of Veterans Affairs (VA) for those who have served or are presently serving in the U.S. military. The VA does not directly lend, it guarantees the loans made by private lenders to veterans, active military personnel, and qualifying military spouses.

    The most obvious benefit of VA loans is that no downpayment is necessary to purchase a home. They will also typically have significantly lower fees-- meaning that if you're eligible to receive a VA loan, it will likely be the most favorable option. VA loans come in 3 varities: purchase, refinance and cash out refis.

    For additional benefits of VA loans, click here.

    Columbia's 163 lenders originated 3,879 VA loans during 2024. The total origination value was $1,212,835,000, with an average VA loan value of $312,667.

    Columbia VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Columbia averaged 0.16% for the week of 2025-07-04, compared to the national average (all VA variants) of 0% for the same period.

    Columbia's average VA mortgage closing costs are $5,911.

    The average rate for the prior week (2025-06-27) was 6.69% and one month ago for the week of 2025-05-30, the average rate was 6.52%.

    The average rate one year ago was 6.93%.

    For refis of the same type during the week of 2025-07-04, the average rate was -0.2%.

    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

    Columbia VA Loan Lenders by Rates & Fees

    The below table looks at the average fees/closing costs and rates for VA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Columbia level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Mortgage Research Center, LLC 432 6.45% $5,788
    UNITED WHOLESALE MORTGAGE, LLC 267 5.92% $6,997
    FREEDOM MORTGAGE CORPORATION 209 6.18% $7,074
    VANDERBILT MORTGAGE AND FINANCE, INC. 185 5.90% $6,712
    First Heritage Mortgage, LLC 166 6.23% $11,004
    GUILD MORTGAGE COMPANY 156 6.35% $9,085
    QUICKEN LOANS, LLC 150 6.00% $10,226
    FBC MORTGAGE, LLC 127 5.44% $5,642
    DHI MORTGAGE COMPANY, LTD. 120 4.95% $7,025
    NAVY FEDERAL CREDIT UNION 109 5.85% $5,744
    RESOURCE FINANCIAL SERVICES, INC. 108 6.42% $8,321
    MOVEMENT MORTGAGE, LLC 100 6.35% $7,500
    CROSSCOUNTRY MORTGAGE, LLC 79 6.39% $7,080
    VILLAGE CAPITAL MORTGAGE 74 5.76% $6,746
    NEW DAY FINANCIAL, LLC 72 7.60% $11,223
    Ameris Bank 72 6.23% $7,071
    NEWREZ LLC 69 6.07% $6,616
    PENNYMAC LOAN SERVICES, LLC 68 5.70% $8,128
    EAGLE HOME MORTGAGE, LLC 55 6.13% $4,494
    GUARANTEED RATE, INC. 49 6.13% $5,910
    MORTGAGE SOLUTIONS OF COLORADO, LLC 48 7.11% $4,836
    LOANDEPOT.COM, LLC 47 6.02% $7,422
    NVR Mortgage Finance, Inc. 46 5.95% $4,399
    USAA Federal Savings Bank 44 6.22% $7,762
    BROKER SOLUTIONS, INC. 41 6.53% $7,815
    GUARANTEED RATE AFFINITY, LLC 36 6.22% $7,088
    PULTE MORTGAGE LLC 33 5.09% $5,140
    PRIMELENDING, A PLAINSCAPITAL COMPANY 33 6.37% $7,967
    HOMESIDE FINANCIAL, LLC 26 6.38% $8,519
    Mr. Cooper ( Nationstar Mortgage ) 25 6.17% $11,391
    CLEARPATH LENDING 24 5.75% $6,978
    First Palmetto Bank 24 6.18% $7,145
    PLANET HOME LENDING, LLC 22 6.10% $4,972
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. 20 6.46% $6,429
    The Federal Savings Bank 19 6.31% $11,373
    LAKEVIEW LOAN SERVICING, LLC 19 5.76% $5,484
    Carrington Mortgage Services, LLC 18 5.94% $8,045
    Renasant Bank 17 6.11% $7,569
    Integrity Home Mortgage Corp 17 6.28% $4,676
    First Federal Bank 16 6.08% $5,981
    Flagstar Bank, FSB 16 6.44% $5,560
    INTERCOASTAL MORTGAGE COMPANY 14 6.44% $5,588
    Assurance Financial Group, L.L.C. 14 6.61% $10,122
    NBKC BANK 13 6.06% $8,987
    CARDINAL FINANCIAL 13 6.49% $13,367
    CMG MORTGAGE, INC. 13 6.39% $8,581
    Lakeview Community Capital, LLC 12 5.89% $5,245
    SUN WEST MORTGAGE COMPANY, INC. 11 5.66% $6,010
    Equity Prime Mortgage LLC 11 6.88% $8,405
    AMERICAN PACIFIC MORTGAGE CORPORATION 11 6.22% $13,067
    Barrington Bank & Trust Company, N.A. 11 6.73% $7,301
    Regions Bank 10 5.98% $9,039
    First Reliance Bank 10 6.30% $5,915
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 10 6.46% $6,547
    UNION HOME MORTGAGE CORP. 9 6.32% $6,521
    TOWNE MORTGAGE COMPANY 9 6.55% $9,291
    DELMAR FINANCIAL COMPANY 9 6.31% $4,633
    MUTUAL OF OMAHA MORTGAGE, INC. 8 6.41% $14,355
    PENTAGON FEDERAL CREDIT UNION 7 6.18% $7,639
    Trustmark National Bank 7 6.18% $7,708
    Magnolia Bank 7 6.00% $10,472
    AMERISAVE MORTGAGE CORPORATION 7 5.98% $16,678
    HOMEOWNERS FINANCIAL GROUP USA, LLC 7 6.16% $4,495
    PLAZA HOME MORTGAGE, INC. 6 6.67% $15,869
    South State Bank 6 6.06% $6,887
    First Community Bank 6 6.67% $9,991
    American Security Mortgage Corp. 6 6.15% $8,035
    Synovus Bank 6 6.15% $5,544
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 6 6.40% $6,504
    JPMorgan Chase Bank 5 5.95% $1,205
    NATION ONE MORTGAGE CORPORATION 5 7.00% $3,804
    AMERICAN FINANCIAL RESOURCES, INC. 5 6.43% $9,874
    Century Mortgage Company DBA Century Lending Company 5 6.10% $5,619
    LOANPAL, LLC 5 6.10% $11,292
    PHH Mortgage Corporation 4 5.53% $6,760
    NFM, INC. 4 6.28% $9,088
    TOP FLITE FINANCIAL, INC. 4 6.81% $11,899
    AMERICAN FINANCIAL NETWORK, INC. 4 5.94% $6,696
    AmeriHome Mortgage Company, LLC 4 6.15% $4,573
    BAY EQUITY LLC 3 5.83% $8,882
    MID AMERICA MORTGAGE, INC. 3 5.71% $7,791
    Wells Fargo Bank 3 6.13% $9,435
    Nations Lending Corporation 3 5.67% $9,717
    First-Citizens Bank & Trust Company 3 5.92% $8,728
    INTERLINC MORTGAGE SERVICES, LLC 3 6.04% $3,402
    T2 FINANCIAL LLC 3 6.17% $29,479
    MORTGAGEONE, INC. 3 6.21% $8,071
    LEGEND LENDING CORPORATION 2 5.56% $17,482
    ALLIED MORTGAGE GROUP, INC. 2 6.19% $3,532
    AMERICAN FINANCING CORPORATION 2 5.69% $6,056
    Atlantic Coast Mortgage, LLC 2 6.56% $11,576
    AXIA FINANCIAL, LLC 2 5.94% $14,587
    CALCON MUTUAL MORTGAGE LLC 2 6.31% $6,512
    CHURCHILL MORTGAGE CORPORATION 2 6.56% $11,143
    Encompass Lending Group, LP 2 6.75% $4,952
    EVERETT FINANCIAL, INC. 2 6.75% $6,526
    GARDNER FINANCIAL SERVICES, LTD. 2 6.88% $2,818
    Gateway First Bank 2 6.00% $7,078
    JMAC LENDING, INC. 2 5.44% $11,958
    Mid-Continent Funding, Inc. 2 6.25% $3,872
    North American Savings Bank, F.S.B. 2 5.94% $7,772
    Paramount Residential Mortgage Group, Inc. 2 6.50% $18,136
    Prosperity Home Mortgage, LLC 2 5.75% $12,264
    RELIANCE FIRST CAPITAL, LLC 2 6.94% $9,476
    SOUTHPOINT FINANCIAL SERVICES, INC. 2 6.25% $5,906
    SOUTHWEST FUNDING, LP 2 6.37% $12,728
    STOCKTON MORTGAGE CORPORATION 2 6.00% $9,011
    VERITAS FUNDING, LLC 2 6.38% $13,204
    ZILLOW HOME LOANS, LLC 2 6.25% $11,933
    American Mortgage & Equity Consultants, Inc. 1 7.25% $2,594
    LEADERONE FINANCIAL CORPORATION 1 7.13% $20,746
    LADERA LENDING, INC. 1 6.75% $20,789
    Ixonia Bank 1 5.63% $15,213
    HOWARD HANNA FINANCIAL SERVICES, INC. 1 6.25% $11,618
    HOMESTEAD FUNDING CORP. 1 6.13% $9,292
    PNC Bank 1 7.00% $1,285
    Presidential Bank, FSB 1 6.63% $11,829
    PRIMARY RESIDENTIAL MORTGAGE, INC. 1 5.50% $5,554
    HOMEBRIDGE FINANCIAL SERVICES, INC. 1 6.50% $8,878
    Princeton Mortgage Corporation 1 7.25% $4,568
    U.S. Bank 1 6.63% $8,131
    GSF Mortgage Corporation 1 5.38% $13,401
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 1 7.63% $8,082
    Fulton Bank 1 6.13% $24,087
    American Mortgage Bank, LLC 1 6.75% $6,348
    First United Bank and Trust Company 1 5.88% $11,598
    First Horizon Bank 1 6.13% $1,886
    ROSS MORTGAGE CORPORATION 1 7.75% $0
    SENTE MORTGAGE, INC. 1 6.25% $12,131
    SIRVA MORTGAGE, INC. 1 6.63% $7,534
    Southern First Bank 1 6.88% $7,148
    ACOPIA, LLC 1 6.50% $5,430
    FIRST HOME MORTGAGE CORPORATION 1 5.50% $8,111
    Alcova Mortgage LLC 1 6.63% $8,144
    SOUTHWEST STAGE FUNDING, LLC 1 6.88% $3,322
    SOVEREIGN LENDING GROUP INCORPORATED 1 5.50% $6,290
    Waterstone Mortgage Corporation 1 6.25% $4,733
    SUMMIT FUNDING, INC. 1 6.13% $1,714
    FIRST COLONY MORTGAGE CORPORATION 1 5.63% $23,898
    FIRST ALLIANCE HOME MORTGAGE, LLC 1 5.50% $4,495
    ENVOY MORTGAGE, LTD 1 7.13% $6,785
    Texana Bank 1 6.00% $8,095
    DIRECT MORTGAGE LOANS, LLC 1 7.00% $12,058
    The Huntington National Bank 1 6.50% $11,186
    The Loan Store, Inc. 1 7.63% $7,167
    TJC Mortgage, Inc. 1 5.75% $8,531
    CityWorth Mortgage LLC 1 6.13% $8,181
    TOTAL MORTGAGE SERVICES, LLC 1 6.75% $15,220
    Towne Bank 1 6.75% $7,749
    Bell Bank 1 6.50% $1,819
    Truist 1 5.90% $3,396
    Bank of England 1 6.50% $3,315
    Bank of America 1 5.75% $1,779
    UNITED MORTGAGE CORP 1 6.63% $18,008
    M&T Bank 1 6.75% $4,982
    MILEND, INC. 1 7.13% $13,370
    Midwest Mortgage Associates Corporation 1 6.25% $12,460
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 5.50% $7,565
    NORWICH COMMERCIAL GROUP, INC. 1 5.25% $5,928
    1ST SIGNATURE LENDING, LLC 1 6.38% $9,359
    OCMBC, INC. 1 6.13% $4,936
    Old National Bank 1 6.25% $3,117
    PANORAMA MORTGAGE GROUP, LLC 1 6.25% $10,912

    The top Columbia VA lender as defined by loan originations is Mortgage Research Center, LLC, with 432 VA loans originated. Their average total fees are $5,788, which is $1,209 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

    The lowest fee Columbia VA lenders (with over 10 loans originated) are NVR Mortgage Finance, Inc. ($4,399), EAGLE HOME MORTGAGE, LLC ($4,494), Integrity Home Mortgage Corp ($4,676), MORTGAGE SOLUTIONS OF COLORADO, LLC ($4,836) and PLANET HOME LENDING, LLC ($4,972).

    The lowest rate Columbia VA lenders (with over 10 loans originated) are DHI MORTGAGE COMPANY, LTD. (4.95%), PULTE MORTGAGE LLC (5.09%), FBC MORTGAGE, LLC (5.44%), SUN WEST MORTGAGE COMPANY, INC. (5.66%) and PENNYMAC LOAN SERVICES, LLC (5.70%).

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Columbia (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
    2018-01-01 $199,000 (5.3%) $250,604 (6.1%) 0.74 3,404
    2018-02-01 $198,750 (8.9%) $252,681 (-4.3%) 0.72 3,362
    2018-03-01 $200,000 (8.4%) $261,067 (14.1%) 0.70 3,417
    2018-04-01 $212,000 (7.7%) $264,621 (7.0%) 0.72 3,469
    2018-05-01 $216,794 (8.7%) $271,925 (8.4%) 0.72 3,422
    2018-06-01 $225,000 (12.9%) $281,116 (11.9%) 0.75 3,436
    2018-07-01 $225,000 (12.8%) $281,029 (11.3%) 0.75 3,595
    2018-08-01 $224,200 (12.2%) $276,881 (8.9%) 0.75 3,536
    2018-09-01 $224,900 (13.0%) $275,872 (8.9%) 0.76 3,482
    2018-10-01 $222,181 (11.2%) $300,798 (18.9%) 0.75 3,471
    2018-11-01 $229,500 (14.9%) $277,963 (10.3%) 0.78 3,372
    2018-12-01 $232,995 (16.8%) $280,124 (12.0%) 0.80 3,179
    2019-01-01 $229,500 (15.3%) $273,572 (9.2%) 0.79 3,066
    2019-02-01 $228,578 (15.0%) $273,652 (8.3%) 0.77 3,097
    2019-03-01 $234,186 (17.1%) $281,294 (7.8%) 0.77 3,057
    2019-04-01 $239,900 (13.2%) $289,342 (9.3%) 0.76 3,014
    2019-05-01 $239,000 (10.2%) $290,168 (6.7%) 0.75 3,030
    2019-06-01 $239,000 (6.2%) $284,350 (1.2%) 0.75 3,086
    2019-07-01 $234,951 (4.4%) $281,816 (0.3%) 0.74 3,147
    2019-08-01 $232,200 (3.6%) $281,164 (1.6%) 0.74 3,151
    2019-09-01 $228,150 (1.5%) $280,127 (1.5%) 0.73 3,111
    2019-10-01 $227,900 (2.6%) $281,917 (-6.3%) 0.74 3,029
    2019-11-01 $228,366 (-0.5%) $282,633 (1.7%) 0.75 2,952
    2019-12-01 $227,625 (-2.3%) $282,334 (0.8%) 0.76 2,854
    2020-01-01 $228,968 (-0.2%) $280,604 (2.6%) 0.77 2,673
    2020-02-01 $234,000 (2.4%) $283,386 (3.6%) 0.77 2,565
    2020-03-01 $239,553 (2.3%) $291,886 (3.8%) 0.75 2,436
    2020-04-01 $243,527 (1.5%) $296,166 (2.4%) 0.76 2,466
    2020-05-01 $248,427 (3.9%) $303,001 (4.4%) 0.76 2,262
    2020-06-01 $249,900 (4.6%) $306,177 (7.7%) 0.74 1,958
    2020-07-01 $250,000 (6.4%) $310,580 (10.2%) 0.72 1,796
    2020-08-01 $253,950 (9.4%) $316,557 (12.6%) 0.73 1,675
    2020-09-01 $249,950 (9.6%) $308,246 (10.0%) 0.72 1,628
    2020-10-01 $245,000 (7.5%) $300,419 (6.6%) 0.70 1,601
    2020-11-01 $249,904 (9.4%) $306,915 (8.6%) 0.73 1,534
    2020-12-01 $250,086 (9.9%) $308,620 (9.3%) 0.74 1,388
    2021-01-01 $249,100 (8.8%) $310,895 (10.8%) 0.74 1,257
    2021-02-01 $252,590 (7.9%) $314,869 (11.1%) 0.74 1,094
    2021-03-01 $253,362 (5.8%) $322,672 (10.6%) 0.72 954
    2021-04-01 $264,354 (8.6%) $332,964 (12.4%) 0.72 859
    2021-05-01 $259,900 (4.6%) $328,439 (8.4%) 0.69 829
    2021-06-01 $254,950 (2.0%) $321,617 (5.0%) 0.67 885
    2021-07-01 $265,000 (6.0%) $327,948 (5.6%) 0.70 1,076
    2021-08-01 $273,250 (7.6%) $336,415 (6.3%) 0.73 1,204
    2021-09-01 $275,396 (10.2%) $341,193 (10.7%) 0.73 1,240
    2021-10-01 $281,343 (14.8%) $345,421 (15.0%) 0.75 1,284
    2021-11-01 $290,292 (16.2%) $351,911 (14.7%) 0.78 1,162
    2021-12-01 $297,201 (18.8%) $358,940 (16.3%) 0.81 1,108
    2022-01-01 $299,990 (20.4%) $361,473 (16.3%) 0.81 962
    2022-02-01 $302,030 (19.6%) $365,757 (16.2%) 0.79 867
    2022-03-01 $305,830 (20.7%) $360,274 (11.7%) 0.77 866
    2022-04-01 $306,066 (15.8%) $362,885 (9.0%) 0.73 856
    2022-05-01 $312,866 (20.4%) $379,351 (15.5%) 0.72 1,073
    2022-06-01 $317,300 (24.5%) $386,275 (20.1%) 0.71 1,193
    2022-07-01 $319,900 (20.7%) $388,474 (18.5%) 0.72 1,562
    2022-08-01 $319,300 (16.9%) $385,963 (14.7%) 0.74 1,663
    2022-09-01 $310,046 (12.6%) $379,162 (11.1%) 0.72 1,721
    2022-10-01 $306,356 (8.9%) $375,121 (8.6%) 0.72 1,790
    2022-11-01 $303,024 (4.4%) $370,054 (5.2%) 0.73 1,791
    2022-12-01 $299,000 (0.6%) $364,851 (1.7%) 0.74 1,677
    2023-01-01 $299,950 (0.0%) $358,491 (-0.8%) 0.74 1,558
    2023-02-01 $301,694 (-0.1%) $359,312 (-1.8%) 0.73 1,479
    2023-03-01 $304,725 (-0.4%) $366,898 (1.8%) 0.72 1,438
    2023-04-01 $315,000 (2.9%) $382,686 (5.5%) 0.73 1,391
    2023-05-01 $325,394 (4.0%) $390,560 (3.0%) 0.74 1,348
    2023-06-01 $337,000 (6.2%) $407,512 (5.5%) 0.76 1,418
    2023-07-01 $327,165 (2.3%) $393,687 (1.3%) 0.74 1,502
    2023-08-01 $320,000 (0.2%) $385,043 (-0.2%) 0.73 1,604
    2023-09-01 $310,000 (0.0%) $374,580 (-1.2%) 0.72 1,757
    2023-10-01 $304,345 (-0.7%) $373,618 (-0.4%) 0.72 1,859
    2023-11-01 $302,504 (-0.2%) $375,002 (1.3%) 0.72 1,959
    2023-12-01 $299,900 (0.3%) $368,034 (0.9%) 0.73 1,936
    2024-01-01 $299,620 (-0.1%) $394,792 (10.1%) 0.73 1,902
    2024-02-01 $300,000 (-0.6%) $376,824 (4.9%) 0.72 1,872
    2024-03-01 $300,000 (-1.6%) $384,100 (4.7%) 0.71 1,882
    2024-04-01 $307,791 (-2.3%) $391,681 (2.4%) 0.72 1,906
    2024-05-01 $312,819 (-3.9%) $406,098 (4.0%) 0.71 1,909
    2024-06-01 $314,900 (-6.6%) $403,878 (-0.9%) 0.72 2,029
    2024-07-01 $315,000 (-3.7%) $401,340 (1.9%) 0.72 2,181
    2024-08-01 $312,000 (-2.5%) $394,532 (2.5%) 0.73 2,294
    2024-09-01 $309,923 (0.0%) $392,366 (4.8%) 0.73 2,337
    2024-10-01 $308,181 (1.3%) $389,072 (4.1%) 0.73 2,324
    2024-11-01 $305,803 (1.1%) $386,981 (3.2%) 0.73 2,449
    2024-12-01 $302,755 (1.0%) $379,533 (3.1%) 0.75 2,321
    2025-01-01 $305,950 (2.1%) $382,851 (-3.0%) 0.76 2,203
    2025-02-01 $301,633 (0.5%) $393,024 (4.3%) 0.73 2,200
    2025-03-01 $307,500 (2.5%) $409,163 (6.5%) 0.72 2,193
    2025-04-01 $316,970 (3.0%) $420,857 (7.5%) 0.74 2,286
    2025-05-01 $318,900 (1.9%) $428,670 (5.6%) 0.72 2,335
    Columbia's median listing price for 2025-05-01 was $318,900, a difference of $6,081 (1.9%) versus the prior year and $1,930 versus the prior month.

    Columbia's median listing price comes in at 72% of the national average.

    Columbia's average listing price for 2025-05-01 was $428,670, a difference of $22,572 (5.6%) versus the prior year and $7,813 versus the prior month.

    For the 2025-05-01 period, Columbia had 2,335 MLS listings, a difference of 49 listings (2%) versus the prior month and 426 listings (22%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Columbia (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 75 days 2,153 sqft
    2018-02-01 68 days 2,158 sqft
    2018-03-01 55 days 2,205 sqft
    2018-04-01 52 days 2,238 sqft
    2018-05-01 52 days 2,245 sqft
    2018-06-01 52 days 2,278 sqft
    2018-07-01 54 days 2,274 sqft
    2018-08-01 58 days 2,248 sqft
    2018-09-01 63 days 2,231 sqft
    2018-10-01 67 days 2,225 sqft
    2018-11-01 72 days 2,254 sqft
    2018-12-01 77 days 2,266 sqft
    2019-01-01 77 days 2,241 sqft
    2019-02-01 65 days 2,232 sqft
    2019-03-01 56 days 2,249 sqft
    2019-04-01 53 days 2,263 sqft
    2019-05-01 53 days 2,246 sqft
    2019-06-01 52 days 2,255 sqft
    2019-07-01 50 days 2,241 sqft
    2019-08-01 51 days 2,228 sqft
    2019-09-01 54 days 2,224 sqft
    2019-10-01 56 days 2,228 sqft
    2019-11-01 60 days 2,218 sqft
    2019-12-01 69 days 2,204 sqft
    2020-01-01 71 days 2,199 sqft
    2020-02-01 60 days 2,225 sqft
    2020-03-01 49 days 2,242 sqft
    2020-04-01 46 days 2,251 sqft
    2020-05-01 57 days 2,250 sqft
    2020-06-01 50 days 2,252 sqft
    2020-07-01 44 days 2,249 sqft
    2020-08-01 39 days 2,248 sqft
    2020-09-01 38 days 2,238 sqft
    2020-10-01 37 days 2,196 sqft
    2020-11-01 42 days 2,211 sqft
    2020-12-01 46 days 2,206 sqft
    2021-01-01 43 days 2,143 sqft
    2021-02-01 32 days 2,076 sqft
    2021-03-01 22 days 2,045 sqft
    2021-04-01 18 days 2,060 sqft
    2021-05-01 16 days 2,024 sqft
    2021-06-01 15 days 1,992 sqft
    2021-07-01 17 days 2,020 sqft
    2021-08-01 22 days 2,051 sqft
    2021-09-01 26 days 2,079 sqft
    2021-10-01 29 days 2,126 sqft
    2021-11-01 32 days 2,170 sqft
    2021-12-01 38 days 2,196 sqft
    2022-01-01 43 days 2,166 sqft
    2022-02-01 23 days 2,070 sqft
    2022-03-01 19 days 2,016 sqft
    2022-04-01 17 days 2,000 sqft
    2022-05-01 17 days 2,003 sqft
    2022-06-01 23 days 2,075 sqft
    2022-07-01 24 days 2,133 sqft
    2022-08-01 36 days 2,172 sqft
    2022-09-01 38 days 2,148 sqft
    2022-10-01 44 days 2,170 sqft
    2022-11-01 51 days 2,171 sqft
    2022-12-01 58 days 2,153 sqft
    2023-01-01 52 days 2,166 sqft
    2023-02-01 41 days 2,178 sqft
    2023-03-01 36 days 2,175 sqft
    2023-04-01 35 days 2,205 sqft
    2023-05-01 33 days 2,229 sqft
    2023-06-01 34 days 2,246 sqft
    2023-07-01 35 days 2,193 sqft
    2023-08-01 35 days 2,165 sqft
    2023-09-01 38 days 2,092 sqft
    2023-10-01 41 days 2,075 sqft
    2023-11-01 42 days 2,051 sqft
    2023-12-01 48 days 2,000 sqft
    2024-01-01 51 days 2,000 sqft
    2024-02-01 43 days 2,026 sqft
    2024-03-01 42 days 2,032 sqft
    2024-04-01 38 days 2,030 sqft
    2024-05-01 38 days 2,050 sqft
    2024-06-01 39 days 2,043 sqft
    2024-07-01 41 days 2,045 sqft
    2024-08-01 45 days 2,025 sqft
    2024-09-01 50 days 2,009 sqft
    2024-10-01 51 days 2,000 sqft
    2024-11-01 51 days 1,992 sqft
    2024-12-01 53 days 1,966 sqft
    2025-01-01 56 days 1,976 sqft
    2025-02-01 50 days 1,970 sqft
    2025-03-01 43 days 1,992 sqft
    2025-04-01 39 days 2,013 sqft
    2025-05-01 41 days 2,018 sqft
    Columbia's median listing age (time on market) for 2025-05-01 was 41 days. This is 8% longer than the same period one year ago.

    Columbia's median square footage for active listings during the 2025-05-01 period was 2,018 sqft. One year prior, the average listing was 2,050 sqft.

    VA Loan Features

  • No down payment required
  • Negotiable and competitive interest rate.
  • Ability to finance the VA funding fee (plus reduced funding fees with a down payment of at least 5 percent and exemption for veterans receiving VA compensation).
  • VA rules limit the amount you can be charged for closing costs.
  • Closing costs are comparable with other financing types (and may be lower).
  • Closing costs may be paid by the seller.
  • No private mortgage insurance premiums are required.
  • An assumable mortgage.
  • Right to prepay your mortgage without penalty.
  • For homes inspected by VA during construction, a warranty from builder and assistance from VA to obtain cooperation of builder.
  • VA assistance to veteran borrowers in default due to temporary financial difficulty.