South Carolina program
Palmetto Heroes 2026
South Carolina ยท SC Housing
Quick answer
What this program appears to offer
The DPA is $10,000 which can be used to cover the borrower's down payment, closing cost and prepaid items only.
Forgivable second mortgage
Forgivable second mortgage
The DPA is a 15-year forgivable zero percent interest second mortgage. DPA must be paid in full upon sale, refinance, or if property is no longer the borrower's primary residence prior to maturity.
Required
Trust layer
Program structure and lender rules
These fields stay free because they describe the official program rules, not a paid decision layer.
Required
Required
15 years (180 months)
sale, refinance, non owner occupancy, term maturity
Who qualifies
Law enforcement officers, Correctional officers, Firefighters, Emergency medical technicians (EMTs), Paramedics
What support you get
The DPA is $10,000 which can be used to cover the borrower's down payment, closing cost and prepaid items only.
Do you repay it?
The DPA is a 15-year forgivable zero percent interest second mortgage. DPA must be paid in full upon sale, refinance, or if property is no longer the borrower's primary residence prior to maturity.
How to apply
Apply through a participating SC Housing lender and pair the assistance with an SC Housing Homebuyer (BOND) first mortgage.
Direct official links
Official source evidence
SC Housing is pleased to introduce our 2026 Palmetto Heroes Program. The program honors educators, first responders and community service personnel in the fields of law enforcement, corrections, firefighting, emergency medical services and health care. The DPA is $10,000 which can be used to cover the borrower's down payment, closing cost and prepaid items only. DPA must be paid in full upon sale, refinance, or if property is no longer the borrower's primary residence prior to maturity.
Official documents
Last verified
2026-04-12
Effective March 16, 2026