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Get Matched Free →SC Housing Homebuyer Program
Funding status: Active
How much assistance
Up to $10,000 in forgivable down payment assistance
Zero interest, no monthly payments. 15-year second lien term. Fully forgiven if borrower remains in the home for 15 years. Repayment required if sold, refinanced, or transferred before forgiveness period.
Eligibility
- Income limits: Income limits vary by county. Charleston County: $110,900 (1-2 persons) / $127,535 (3+ persons). Greenville County: $97,300 (1-2 persons) / $111,895 (3+ persons). Spartanburg County: $90,500 (1-2 persons) / $104,075 (3+ persons). Based on income of those on the loan application, not total household.
- Purchase price limit: $450,000
- First-time buyer required: Yes — Must not have owned a home in the past 3 years.
- Credit score minimum: 640
- Geographic restrictions: Must purchase in South Carolina. Property must be owner-occupied primary residence.
- Homebuyer education required: Yes
How to Apply for SC Housing Homebuyer Program
Work with an SC Housing approved lender. Complete a homebuyer education course. Lender submits application through SC Housing's system.
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