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 165 lenders originated 3,021 VA loans during 2023. The total origination value was $904,125,000, with an average VA loan value of $299,280.

    Columbia VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Columbia averaged 6.17% for the week of 2024-12-13, compared to the national average (all VA variants) of 6.077% for the same period.

    Columbia's average VA mortgage closing costs are $5,694.

    The average rate for the prior week (2024-12-06) was 6.11% and one month ago for the week of 2024-11-08, the average rate was 6.3%.

    The average rate one year ago was 6.45%.

    For refis of the same type during the week of 2024-12-13, the average rate was 6.62%.

    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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    Mortgage Research Center, LLC 354 6.78% $5,923
    First Heritage Mortgage, LLC 151 6.33% $12,392
    GUILD MORTGAGE COMPANY 146 6.42% $10,068
    DHI MORTGAGE COMPANY, LTD. 136 5.40% $7,770
    UNITED WHOLESALE MORTGAGE, LLC 130 6.39% $8,841
    NAVY FEDERAL CREDIT UNION 124 5.89% $5,961
    QUICKEN LOANS, LLC 116 6.13% $10,296
    FBC MORTGAGE, LLC 115 5.84% $7,492
    VANDERBILT MORTGAGE AND FINANCE, INC. 109 6.15% $7,232
    Ameris Bank 101 6.33% $8,281
    MOVEMENT MORTGAGE, LLC 90 6.47% $7,298
    FREEDOM MORTGAGE CORPORATION 85 6.69% $12,010
    CROSSCOUNTRY MORTGAGE, LLC 69 6.63% $7,485
    USAA Federal Savings Bank 61 6.13% $8,925
    LOANDEPOT.COM, LLC 52 6.12% $9,582
    NEW DAY FINANCIAL, LLC 47 7.50% $12,309
    PENNYMAC LOAN SERVICES, LLC 46 5.45% $9,266
    GUARANTEED RATE AFFINITY, LLC 44 6.55% $7,423
    NVR Mortgage Finance, Inc. 40 5.52% $6,672
    NTFN, INC. 40 6.26% $9,446
    BROKER SOLUTIONS, INC. 38 6.49% $8,431
    MORTGAGE SOLUTIONS OF COLORADO, LLC 36 7.75% $4,984
    EAGLE HOME MORTGAGE, LLC 34 6.22% $7,639
    RESOURCE FINANCIAL SERVICES, INC. 33 6.72% $8,870
    GUARANTEED RATE, INC. 30 6.37% $6,676
    CARDINAL FINANCIAL 29 6.60% $13,020
    Mr. Cooper ( Nationstar Mortgage ) 26 5.94% $11,406
    VILLAGE CAPITAL MORTGAGE 24 6.04% $11,780
    NEWREZ LLC 24 6.56% $9,941
    First Palmetto Bank 23 6.45% $7,381
    The Federal Savings Bank 22 6.55% $13,283
    Assurance Financial Group, L.L.C. 18 6.56% $8,328
    PENTAGON FEDERAL CREDIT UNION 18 5.62% $6,586
    Network Funding, L.P. 16 6.39% $12,905
    Equity Prime Mortgage LLC 15 7.10% $8,479
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 14 6.84% $7,143
    THRIVE MORTGAGE, LLC 14 6.59% $7,298
    UNION HOME MORTGAGE CORP. 14 6.55% $9,322
    PRIMELENDING, A PLAINSCAPITAL COMPANY 12 6.80% $8,651
    Barrington Bank & Trust Company, N.A. 12 6.65% $9,672
    Flagstar Bank, FSB 12 6.56% $7,814
    MIDLAND MORTGAGE CORPORATION 11 6.41% $5,160
    INTERCOASTAL MORTGAGE COMPANY 11 6.41% $4,570
    PULTE MORTGAGE LLC 10 5.81% $6,878
    Renasant Bank 10 6.41% $10,292
    Regions Bank 9 6.40% $7,702
    American Security Mortgage Corp. 8 5.94% $12,194
    Mid-Continent Funding, Inc. 8 6.37% $7,983
    DELMAR FINANCIAL COMPANY 8 6.92% $5,729
    MUTUAL OF OMAHA MORTGAGE, INC. 7 6.89% $10,513
    INTERLINC MORTGAGE SERVICES, LLC 7 6.57% $7,794
    Wells Fargo Bank 6 5.75% $4,794
    Trustmark National Bank 6 6.73% $4,704
    AMERISAVE MORTGAGE CORPORATION 6 6.44% $11,120
    PLAZA HOME MORTGAGE, INC. 6 6.41% $12,254
    Plains Commerce Bank 6 6.29% $13,985
    TOWNE MORTGAGE COMPANY 6 6.29% $11,960
    Nations Lending Corporation 5 6.63% $8,170
    Synovus Bank 5 6.30% $4,556
    LAKEVIEW LOAN SERVICING, LLC 5 6.48% $16,465
    CMG MORTGAGE, INC. 5 6.55% $10,098
    MICHIGAN MUTUAL, INC. 5 5.63% $8,325
    SUN WEST MORTGAGE COMPANY, INC. 5 6.42% $7,380
    First Reliance Bank 5 6.18% $9,429
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 5 6.15% $10,606
    ACADEMY MORTGAGE CORPORATION 4 7.38% $6,732
    RELIANCE FIRST CAPITAL, LLC 4 7.28% $6,365
    First Community Bank 4 6.44% $8,890
    ROYAL UNITED MORTGAGE LLC 4 7.03% $15,246
    LOANPAL, LLC 4 5.90% $11,236
    HOMEOWNERS FINANCIAL GROUP USA, LLC 4 6.81% $5,055
    First Federal Bank 4 6.53% $7,075
    Paramount Residential Mortgage Group, Inc. 4 6.87% $3,396
    SUMMIT FUNDING, INC. 3 6.67% $6,772
    Encompass Lending Group, LP 3 6.04% $12,865
    AMERICAN PACIFIC MORTGAGE CORPORATION 3 6.42% $10,054
    First-Citizens Bank & Trust Company 3 6.04% $8,115
    CONTOUR MORTGAGE CORPORATION 3 6.88% $10,729
    CHURCHILL MORTGAGE CORPORATION 3 6.88% $7,566
    Carrington Mortgage Services, LLC 3 6.17% $5,053
    CALIBER HOME LOANS, INC. 3 6.08% $8,670
    AMERICAN FINANCIAL NETWORK, INC. 3 7.46% $17,379
    Northpointe Bank 3 6.04% $9,883
    HOMESIDE FINANCIAL, LLC 3 6.92% $11,796
    Princeton Mortgage Corporation 3 6.58% $6,059
    LEADERONE FINANCIAL CORPORATION 3 6.71% $8,110
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. 3 7.21% $6,232
    Magnolia Bank 3 6.08% $8,330
    MILEND, INC. 3 6.71% $11,374
    ZILLOW HOME LOANS, LLC 2 6.81% $9,653
    AMERICAN FINANCIAL RESOURCES, INC. 2 6.50% $7,623
    Armed Forces Bank 2 5.94% $8,770
    Blue Ridge Bank 2 6.56% $16,991
    BNC National Bank 2 6.06% $2,995
    CALCON MUTUAL MORTGAGE LLC 2 6.69% $17,370
    Century Mortgage Company DBA Century Lending Company 2 6.56% $4,302
    Citibank 2 5.88% $8,986
    DAS Acquisition Company, LLC 2 7.00% $9,209
    FIRST HOME MORTGAGE CORPORATION 2 6.94% $10,045
    First Horizon Bank 2 6.63% $3,660
    First Option Mortgage, LLC 2 6.75% $8,829
    Gateway First Bank 2 6.94% $5,826
    GSF Mortgage Corporation 2 6.94% $7,328
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 2 6.63% $3,058
    HOMEBRIDGE FINANCIAL SERVICES, INC. 2 6.00% $12,682
    LEGEND LENDING CORPORATION 2 6.25% $8,147
    MID AMERICA MORTGAGE, INC. 2 6.25% $29,298
    NBKC BANK 2 6.25% $13,182
    NETWORK CAPITAL FUNDING CORPORATION 2 5.44% $5,015
    PREMIA MORTGAGE, LLC 2 5.19% $3,316
    PRIMARY RESIDENTIAL MORTGAGE, INC. 2 6.94% $11,887
    Queensborough National Bank & Trust Company 2 6.00% $4,574
    Service Federal Credit Union 2 6.13% $6,236
    Sierra Pacific Mortgage Company, Inc. 2 6.31% $14,021
    South State Bank 2 6.38% $5,941
    T2 FINANCIAL LLC 2 6.81% $6,583
    TJC Mortgage, Inc. 2 5.88% $7,196
    TOP FLITE FINANCIAL, INC. 2 6.56% $15,257
    Truist 2 7.25% $7,357
    MANN FINANCIAL INC. 1 6.63% $8,100
    AmeriHome Mortgage Company, LLC 1 6.99% $14,944
    Presidential Bank, FSB 1 5.75% $3,897
    American Mortgage & Equity Consultants, Inc. 1 6.75% $26,009
    KeyBank 1 6.88% $4,483
    JPMorgan Chase Bank 1 7.00% $500
    HOMESTAR FINANCIAL CORPORATION 1 7.00% $3,891
    U.S. Bank 1 6.63% $6,438
    HOMESPIRE MORTGAGE CORPORATION 1 6.63% $8,241
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 1 6.50% $9,689
    Fifth Third Bank 1 6.63% $3,544
    FCB Banks 1 6.25% $11,259
    EVERETT FINANCIAL, INC. 1 6.13% $8,947
    ROSS MORTGAGE CORPORATION 1 5.50% $11,915
    EMM LOANS LLC 1 6.75% $16,998
    SeaTrust Mortgage Company 1 7.50% $14,134
    AMERICAN FINANCING CORPORATION 1 6.50% $15,942
    Vellum Mortgage, Inc. 1 5.75% $7,091
    VERITAS FUNDING, LLC 1 7.13% $18,568
    SOVEREIGN LENDING GROUP INCORPORATED 1 6.25% $15,064
    STOCKTON MORTGAGE CORPORATION 1 8.13% $9,313
    EMBRACE HOME LOANS, INC. 1 6.25% $8,524
    DIRECT MORTGAGE LOANS, LLC 1 6.99% $11,483
    DATA MORTGAGE, INC. 1 6.63% $12,428
    AMCAP MORTGAGE, LTD. 1 6.25% $15,573
    The Central Trust Bank 1 5.75% $12,502
    Credence Funding Corporation 1 6.63% $3,398
    The Huntington National Bank 1 5.50% $9,234
    Community First National Bank 1 6.75% $4,307
    Waterstone Mortgage Corporation 1 6.63% $11,681
    ALLIED MORTGAGE GROUP, INC. 1 7.13% $7,876
    Towne Bank 1 5.63% $11,910
    Centennial Bank 1 6.25% $7,452
    Academy Bank 1 5.13% $10,360
    BAYSHORE MORTGAGE FUNDING, LLC 1 7.63% $9,503
    BAY EQUITY LLC 1 7.00% $5,126
    NFM, INC. 1 6.50% $9,624
    Neighborhood Loans, Inc. 1 7.25% $4,379
    NATION ONE MORTGAGE CORPORATION 1 7.88% $5,870
    ON Q FINANCIAL, INC. 1 7.25% $8,850
    Palmetto Citizens Federal Credit Union 1 6.63% $10,443
    MORTGAGEONE, INC. 1 7.63% $3,823
    MORTGAGE EQUITY PARTNERS LLC 1 6.88% $8,868
    MORTGAGE ACCESS CORP. 1 6.25% $3,724
    Meridian Bank Corporation 1 5.63% $4,749
    PLANET HOME LENDING, LLC 1 5.63% $6,647

    The top Columbia VA lender as defined by loan originations is Mortgage Research Center, LLC, with 354 VA loans originated. Their average total fees are $5,923, which is $6,469 lower than the next largest lender, First Heritage Mortgage, LLC.

    The lowest fee Columbia VA lenders (with over 10 loans originated) are INTERCOASTAL MORTGAGE COMPANY ($4,570), MORTGAGE SOLUTIONS OF COLORADO, LLC ($4,984), MIDLAND MORTGAGE CORPORATION ($5,160), Mortgage Research Center, LLC ($5,923) and NAVY FEDERAL CREDIT UNION ($5,961).

    The lowest rate Columbia VA lenders (with over 10 loans originated) are DHI MORTGAGE COMPANY, LTD. (5.40%), PENNYMAC LOAN SERVICES, LLC (5.45%), NVR Mortgage Finance, Inc. (5.52%), PENTAGON FEDERAL CREDIT UNION (5.62%) and PULTE MORTGAGE LLC (5.81%).

    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%) $250,635 (6.1%) 0.74 3,403
    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 $216,819 (8.7%) $271,944 (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 $232,990 (16.8%) $280,093 (12.0%) 0.80 3,180
    2019-01-01 $229,375 (15.3%) $273,509 (9.1%) 0.79 3,067
    2019-02-01 $228,578 (15.0%) $273,652 (8.3%) 0.77 3,097
    2019-03-01 $234,186 (17.1%) $281,140 (7.7%) 0.77 3,058
    2019-04-01 $239,900 (13.2%) $289,161 (9.3%) 0.76 3,015
    2019-05-01 $239,000 (10.2%) $290,134 (6.7%) 0.75 3,031
    2019-06-01 $239,000 (6.2%) $284,406 (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 $253,419 (5.8%) $322,907 (10.6%) 0.72 953
    2021-04-01 $264,354 (8.6%) $332,964 (12.4%) 0.72 859
    2021-05-01 $259,900 (4.6%) $328,695 (8.5%) 0.69 828
    2021-06-01 $254,950 (2.0%) $321,860 (5.1%) 0.67 884
    2021-07-01 $265,000 (6.0%) $327,948 (5.6%) 0.70 1,076
    2021-08-01 $273,421 (7.7%) $336,667 (6.4%) 0.73 1,204
    2021-09-01 $275,293 (10.1%) $341,300 (10.7%) 0.73 1,240
    2021-10-01 $281,295 (14.8%) $345,470 (15.0%) 0.75 1,284
    2021-11-01 $290,271 (16.2%) $351,790 (14.6%) 0.78 1,161
    2021-12-01 $297,077 (18.8%) $358,814 (16.3%) 0.80 1,107
    2022-01-01 $299,971 (20.4%) $361,340 (16.2%) 0.81 960
    2022-02-01 $301,876 (19.5%) $365,776 (16.2%) 0.79 866
    2022-03-01 $305,580 (20.6%) $360,275 (11.6%) 0.77 865
    2022-04-01 $306,066 (15.8%) $362,888 (9.0%) 0.73 856
    2022-05-01 $312,866 (20.4%) $379,551 (15.5%) 0.72 1,071
    2022-06-01 $317,300 (24.5%) $386,397 (20.1%) 0.71 1,191
    2022-07-01 $319,900 (20.7%) $388,504 (18.5%) 0.72 1,561
    2022-08-01 $319,308 (16.8%) $385,978 (14.7%) 0.74 1,662
    2022-09-01 $309,950 (12.6%) $379,174 (11.1%) 0.72 1,720
    2022-10-01 $306,356 (8.9%) $375,121 (8.6%) 0.72 1,790
    2022-11-01 $303,024 (4.4%) $370,116 (5.2%) 0.73 1,791
    2022-12-01 $299,000 (0.7%) $364,851 (1.7%) 0.74 1,677
    2023-01-01 $299,950 (0.0%) $358,450 (-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 (-0.3%) $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 (2.9%) 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 $307,705 (-2.3%) $391,655 (2.3%) 0.72 1,907
    2024-05-01 $312,431 (-4.0%) $406,067 (4.0%) 0.71 1,911
    2024-06-01 $315,000 (-6.5%) $403,395 (-1.0%) 0.71 2,031
    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
    Columbia's median listing price for 2024-11-01 was $305,803, a difference of $3,299 (1.1%) versus the prior year and $-2,378 versus the prior month.

    Columbia's median listing price comes in at 73% of the national average.

    Columbia's average listing price for 2024-11-01 was $386,981, a difference of $11,979 (3.2%) versus the prior year and $-2,091 versus the prior month.

    For the 2024-11-01 period, Columbia had 2,449 MLS listings, a difference of 125 listings (5%) versus the prior month and 490 listings (25%) 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 2,213 sqft
    2020-12-01 46 days 2,208 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 2,061 sqft
    2021-05-01 16 days 2,027 sqft
    2021-06-01 15 days 1,993 sqft
    2021-07-01 17 days 2,020 sqft
    2021-08-01 22 days 2,051 sqft
    2021-09-01 26 days 2,080 sqft
    2021-10-01 29 days 2,126 sqft
    2021-11-01 32 days 2,168 sqft
    2021-12-01 38 days 2,196 sqft
    2022-01-01 43 days 2,166 sqft
    2022-02-01 23 days 2,076 sqft
    2022-03-01 19 days 2,017 sqft
    2022-04-01 17 days 2,000 sqft
    2022-05-01 17 days 2,004 sqft
    2022-06-01 23 days 2,075 sqft
    2022-07-01 24 days 2,137 sqft
    2022-08-01 35 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 2,198 sqft
    2023-08-01 35 days 2,165 sqft
    2023-09-01 38 days 2,093 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 2,027 sqft
    2024-03-01 42 days 2,032 sqft
    2024-04-01 38 days 2,029 sqft
    2024-05-01 38 days 2,047 sqft
    2024-06-01 38 days 2,042 sqft
    2024-07-01 41 days 2,044 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
    Columbia's median listing age (time on market) for 2024-11-01 was 51 days. This is 23% longer than the same period one year ago.

    Columbia's median square footage for active listings during the 2024-11-01 period was 1,992 sqft. One year prior, the average listing was 2,051 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.