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Cleveland County, North Carolina VA Home Loan Information

cleveland ncThe 2021 $0 down, VA home loan limit for Cleveland County is $548,250.

On the outskirts of the large city of Charlotte, North Carolina, Cleveland County has that hometown feel with all the amenities of a large city close by. The county has a strong artistic and cultural community. The county also has plenty of delicious restaurants and excellent shopping opportunities. Formed from parts of Lincoln and Rutherford Counties, Cleveland County was officially created in 1841. Cleveland County was named after a colonel in the Revolutionary War, Benjamin Cleveland. If you are interested in returning to school, there are several higher-education options. The total population is 97,076, including a veteran population of 6,802.

Cleveland Community College and Gardner-Webb University are just a few of the excellent higher-education options in Cleveland County. Gardner-Webb University is a Baptist school that offers bachelor’s degrees in many different areas. The school also provides a multitude of clubs and organizations that will interest almost anyone. The many sports teams of Gardner-Webb University host sporting events all throughout the year. Those looking to quickly enter the workforce or to receive technical training should consider Cleveland Community College. Veterans returning to school should take advantage of their GI Bill benefit.

The artistic community is strong in Cleveland County. The Cleveland County Arts Council hosts many art shows and other events throughout the year. There are many art galleries of different styles scattered around Cleveland County. You will easily find the perfect piece for your home at any art store in Cleveland County. Some of the art galleries worth checking out include A. Griffin Pottery, Alley Quilts Studio, Buffalo Creek Gallery, and many more. Those interested in improving their artistic skills should take advantage of the art classes offered all over Cleveland County.

Visit one of the many great festivals and events held in Cleveland County to have some of the most fun you’ve ever had! The event with the largest turnout is usually the Cleveland County Fair. Featuring delicious food, exciting rides, and fun games, the Cleveland County Fair has something for everyone. The Cleveland County Fair is the largest agricultural fair held in North Carolina. Alive After Five Outdoors Concerts is a series that frequently showcases local acts and famous touring acts. Other annual events held in Cleveland County include the Foothill’s Merry Go Round Festival and the Shelby Hamfest.

The Cleveland County Veterans Service Office and several other veteran resources are located in proximity to Cleveland County. Veterans living in North Carolina are entitled to many great benefits. The median housing cost in Cleveland County is $106,100, and the median household income is $38,989.

Take the First Step to Buying a Great Home

Contact VA Home Loan Centers to be matched with a licensed real estate agent.

Cleveland County Property Search

Kings Mountain, Shelby, Belwood, Boiling Springs, Casar, Earl, Fallston, Grover, Kingstown, Lattimore, Lawndale, Mooresboro, Patterson Springs, Polkville, Waco, Light Oak, Toluca

28169, 28086, 28089, 28090, 29341, 28661, 28017, 28114, 28021, 28020, 28125, 36038, 28136, 28038, 28612, 28040, 28043, 28042, 28151, 28150, 27021, 37323, 28152, 28056, 28160, 29316, 28168, 28073

For a list of approved homes and condos in Cleveland County, call VA Home Loan Centers at 888-573-4496.

Cleveland County Condo Search

There do not appear to be any VA-approved condos located in Cleveland County. Click here for information on getting a condo approved.

VFW Post

Post 4066 George Loris Dover Post
855 W Sumter St
Shelby, NC 28150
United States
Phone: (704) 487-9093

Meeting Location & Time
855 W Sumter St
Shelby, NC 28150
United States
7:00 PM 2nd Tuesday

Quartermaster: James Greene
Timothy Southard

Maximum VA Appraisal Fees Allowable in Cleveland County

  • Single Family: $400
  • 2-4 Units: $550
  • Condo: $450
  • Partial Releases: $450
  • Repair/Completion Certificates: $100


  1. North Carolina VA Loan Information: https://www.vahomeloancenters.org/north-carolina-maximum-military-mortgage-home-loan-amount-limits/
  2. VA Loan Information by State: https://www.vahomeloancenters.org/va-loan-limit-maximum-va-loan-amount/