South Carolina program
South Carolina route through SC Housing. Use this page to confirm the core public facts first, then decide whether you need deeper comparison output and lender-call prep.
Open questions
This page stays public because the official structure is still useful, but these details should not be flattened into fake certainty.
The consumer page clearly states the 0%, 3%, and 4% options and no monthly payment, but it does not spell out the full forgiveness schedule on this page.
Decision-ready public facts
Quick answer from published facts. Go to South Carolina program hub
Forgivable down payment assistance of 0%, 3%, or 4% of the loan amount with no monthly payment.
Forgivable second mortgage
The cited consumer page says the program offers forgivable down payment assistance with no monthly payment. Buyers should use the program handout and approved lender to confirm the exact forgiveness term and any repayment triggers for the chosen option.
Not required
Program guide
Use the public facts first. Open the official source when a detail affects eligibility, repayment, or lender choice.
First-time homebuyers, Move-up buyers, Repeat buyers, Borrowers with a minimum 640 credit score
Forgivable down payment assistance of 0%, 3%, or 4% of the loan amount with no monthly payment.
The cited consumer page says the program offers forgivable down payment assistance with no monthly payment. Buyers should use the program handout and approved lender to confirm the exact forgiveness term and any repayment triggers for the chosen option.
Use one of SC Housing's approved lending partners to apply for a Conventional, FHA, VA, or USDA first mortgage paired with a Palmetto Home Advantage assistance option.
The official Palmetto Home Advantage page says the program serves first-time, move-up, and repeat buyers across all 46 South Carolina counties, requires a 640 credit score, uses a borrower income limit of $135,750, and offers forgivable down payment assistance worth 0%, 3%, or 4% of the loan amount with no monthly payment.
2026-04-19
Effective date not captured.
Paid preview
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Comparison preview
Amount: Forgivable down payment assistance of 0%, 3%, or 4% of the loan amount with no monthly payment.
Repayment: The cited consumer page says the program offers forgivable down payment assistance with no monthly payment. Buyers should use the program handout and approved lender to confirm the exact forgiveness term and any repayment triggers for the chosen option.
First-time buyer: Not required
Risk checks preview
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Lender questions preview
Action checklist preview
Paid research preview
Paid research already tracks city and county programs, employer-assisted paths, specialty and conditional paths for South Carolina.
These are not generic promises. They are the local, employer, public-employee, and specialty directions already sitting behind the paid layer.
Specific program names, source notes, current-vs-conditional judgments, and the next lender or agency questions tied to this state.
1 tracked
City and county down payment or closing-cost programs that never make it into the free statewide layer.
1 tracked
Employer-linked housing incentives and workforce programs that matter only if they fit your job or agency.
6 tracked
Conditional, paused, or specialty paths worth checking before you assume the state is a dead end.
Private workspace
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If the public facts still look relevant, paid access is where you decide whether this path is stronger than your fallback.
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