VA loans · Jacksonville, NC · Camp Lejeune
VA Loans Near Camp Lejeune in Jacksonville, NC
Yes — if you are on PCS orders to Camp Lejeune, or you are a veteran, active-duty Marine or sailor, or eligible surviving spouse buying in Onslow County, a VA loan lets you buy in Jacksonville, NC with $0 down, no PMI, and no VA-imposed loan limit if you have full entitlement. The funding fee is 2.15% of the loan on a first-use purchase with less than 5% down (1.50% with 5–9.99% down, 1.25% with 10%+ down); veterans receiving VA disability compensation are exempt from the funding fee.
Monthly principal and interest
$1,921
- Total loan amount
- $296,235
- VA funding fee
- $6,235 (2.15%)
- Property tax and insurance
- Estimated total monthly payment
The funding fee is added to your loan by default, so it isn’t due at closing.
Example only. Not a quote, rate offer, or loan approval. Your rate and payment depend on your credit, the property, and lender approval.
Funding fee percentages from the VA funding fee chart effective April 7, 2023.
Check my VA eligibility in 60 seconds
Four questions. This doesn’t run your credit, and it isn’t an application or an approval.
Question 1 of 4
This check doesn’t run credit and isn’t an approval. A loan officer confirms eligibility against your COE.
Want a loan officer to follow up? Your answers go with your details, so you won’t have to repeat them. This part is optional.
Why is Jacksonville a VA market?
Marine Corps Base Camp Lejeune sits in Onslow County, next to Jacksonville on the New River. It is one of the largest military communities in the Carolinas, so local agents and sellers see VA buyers regularly.
- The installation covers about 156,000 acres, or 244 square miles, with satellite camps including Camp Geiger and Camp Johnson.
- Military OneSource lists a supported population of about 137,526 Marines, sailors, retirees, their families, and civilian employees, including 38,778 active duty and 38,769 family members (checked November 8, 2026).
- Lejeune is home to II Marine Expeditionary Force, the 2nd Marine Division, and the 2nd Marine Logistics Group.
- Jacksonville’s population is about 72,723, according to Military OneSource.
Where do Camp Lejeune families buy?
Marines and families commonly buy in Jacksonville, Swansboro, Sneads Ferry, and Richlands. The choice usually comes down to commute, the coast, and how much land you want.
| Area | Why families pick it |
|---|---|
| Jacksonville | The shortest commute |
| Swansboro | Coastal living |
| Sneads Ferry | Coastal living |
| Richlands | More land |
If you’re assigned to MCAS New River, the nearby air station, check the drive from any home to your unit before you buy. Measure it at the hours you’d actually travel.
What do homes cost around Jacksonville?
Sold prices and listing prices are different measures, so there isn’t one settled Jacksonville median. These are the most recent figures, each with its source and month.
| Measure | Figure | Source and date |
|---|---|---|
| Median sold price | $289,900 | Realtor.com, October 2026 |
| Median listing price | $320,000 | Realtor.com, October 2026 |
| Median asking price | $323,841, up 0.8% from a year earlier | Dynamic.RE, through September 2026 |
| Median days on market | 54 | Realtor.com and Dynamic.RE, same periods |
The estimator above starts at $290,000, close to the median sold price, with the funding fee financed and no PMI.
How should I think about BAH at Lejeune?
Lenders qualify you on your full income, including base pay, BAH, and BAS. It’s still safest to keep your payment at or under BAH, so a deployment or your next PCS doesn’t strain the budget.
BAH changes each January by rank, dependency status, and duty location. Check your current rate on the official DoD BAH calculator before budgeting.
Is there a North Carolina tax benefit for disabled veterans?
Yes. North Carolina’s Disabled Veteran Homestead Exclusion (G.S. 105-277.1C) excludes the first $45,000 of appraised value of a permanent residence for a veteran with a 100% permanent and total service-connected disability or specially adapted housing benefits.
File a Form NCDVA-9, certified by a Veterans Service Officer, and Form AV-9 with the county tax office by June 1. Confirm the details with Onslow County before relying on it, because tax rules change. See the North Carolina details.
What are the steps for a PCS to Camp Lejeune?
Start with your COE and pre-approval, then choose where to live. These five steps run in order.
- Get your Certificate of Eligibility (COE). Your orders and LES help.
- Get pre-approved before you house-hunt. A VA pre-approval with $0 down changes what you can offer on.
- Pick your side of the gate. Jacksonville for the shortest commute, Swansboro or Sneads Ferry for the coast, and Richlands for more land.
- VA appraisal and termite inspection. The VA appraisal checks value and minimum property requirements. It is not a home inspection.
- Close. VA loans can close with the funding fee financed into the loan, and disability-exempt borrowers pay no funding fee.
Jacksonville VA loan questions
Can I buy with $0 down near Camp Lejeune with a VA loan?
Yes, with full entitlement. A VA funding fee applies unless you are exempt, and it is usually financed into the loan.
Do I have to live in Jacksonville, or can I buy in Swansboro or Richlands?
You can buy anywhere you will occupy as your primary residence, subject to the VA appraisal and occupancy rules.
What credit score do I need?
VA sets no minimum score; the lender does. A loan officer can tell you what applies to your file.
Can I use a VA loan more than once?
Yes. Entitlement can be restored or reused, and subsequent-use funding fees apply: 3.30% on a purchase with less than 5% down.
Written by Sahaad Washington, licensed mortgage loan officer, NMLS #1446971. Licensed in North Carolina and South Carolina.
Published · Last reviewed
Sources
- Military OneSource: Camp Lejeune overview (checked November 8, 2026)
- Marine Corps Base Camp Lejeune (checked November 7, 2026)
- Realtor.com: Jacksonville, NC housing market (October 2026 data, checked November 7, 2026)
- Dynamic.RE: Jacksonville, NC (data through September 2026, checked November 8, 2026)
- NC Department of Military and Veterans Affairs: Veterans property tax relief (checked November 8, 2026)
- VA: Funding fee and closing costs (chart effective April 7, 2023; page updated October 5, 2026)
- Defense Travel Management Office: BAH calculator (rates change each January)
PCS'ing to Camp Lejeune? Start with your COE.
A loan officer can check your entitlement and run your payment before you start looking at homes.