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South Carolina program

SC Housing Homebuyer Program

South Carolina route through SC Housing. This page stays free for the core public facts. Open paid access only when you need the full state board, related paths, and the decision layer around this program.

Forgivable second mortgage Forgivable if occupancy holds 2026-04-19
Agency SC Housing
Support type Forgivable second mortgage
Amount highlight SC Housing's statewide bond homebuyer line offers forgivable down payment assistance with a zero percent interest rate and no monthly payments, but the cited consumer page does not publish one single fixed dollar amount or percentage for that assistance.
Last verified 2026-04-19

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Amount depends on the paired bond setup

This page stays public because the official structure is still useful, but these details should not be flattened into fake certainty.

The cited consumer page confirms the forgiveness structure and statewide lender path, but it does not publish one single statewide DPA amount on this page.

Decision-ready public facts

What stays free on this program page

Quick answer from published facts. Use this first, then jump to Go to South Carolina program hub if you need the wider state context.

Amount

SC Housing's statewide bond homebuyer line offers forgivable down payment assistance with a zero percent interest rate and no monthly payments, but the cited consumer page does not publish one single fixed dollar amount or percentage for that assistance.

Type

Forgivable second mortgage

Repayment

The official SC Housing page states the current bond down payment assistance is a second lien with a 15-year (180 month) term and no monthly payments. If the borrower remains in the home for the full term, the lien is forgiven.

First-time buyer

Unknown

Program guide

What to know before you click through

This is still the free fact layer. Open the official source when a detail affects eligibility, repayment, lender choice, or whether this path should stay on your shortlist.

Who qualifies?

Qualified South Carolina homebuyers using an SC Housing lending partner, Borrowers who meet county-specific household-income and sales-price limits for the bond program

What support do you get?

SC Housing's statewide bond homebuyer line offers forgivable down payment assistance with a zero percent interest rate and no monthly payments, but the cited consumer page does not publish one single fixed dollar amount or percentage for that assistance.

Do you repay it?

The official SC Housing page states the current bond down payment assistance is a second lien with a 15-year (180 month) term and no monthly payments. If the borrower remains in the home for the full term, the lien is forgiven.

How do you apply?

Work with an SC Housing lending partner to choose an affordable fixed-rate mortgage and any paired down payment assistance option through the statewide SC Housing Homebuyer Program.

Application timing

SC Housing says Homebuyer Program funding is based on availability, and buyers should contact an approved lending partner to apply for loan approval and reserve funds. Programs and rates are subject to change without notice.

Official source evidence

The official SC Housing Homebuyer Program page says the agency offers mortgage financing through lending partners, and that the current bond program provides zero-percent forgivable down payment assistance with no monthly payments as a second lien over a 15-year term.

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Last verified

2026-04-19

Effective date not captured.

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What paid access adds for SC Housing Homebuyer Program

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Comparison preview

SC Housing Homebuyer Program

Amount: SC Housing's statewide bond homebuyer line offers forgivable down payment assistance with a zero percent interest rate and no monthly payments, but the cited consumer page does not publish one single fixed dollar amount or percentage for that assistance.

Repayment: The official SC Housing page states the current bond down payment assistance is a second lien with a 15-year (180 month) term and no monthly payments. If the borrower remains in the home for the full term, the lien is forgiven.

First-time buyer: Unknown

Timing: SC Housing says Homebuyer Program funding is based on availability, and buyers should contact an approved lending partner to apply for loan approval and reserve funds. Programs and rates are subject to change without notice.

Risk checks preview

What gets flagged before you call a lender

This panel starts filling as soon as the program structure creates a real repayment or lender-fit question.

Lender questions preview

Questions tied to this exact path

  • What occupancy period must be completed before SC Housing Homebuyer Program is forgiven after 180 months?
  • Which document version should control SC Housing Homebuyer Program right now: program guide, fact sheet, or lender packet?

Action checklist preview

What you would do next

  • Review the official Program page for SC Housing Homebuyer Program
Open the full South Carolina board

Paid research preview

What paid research already covers in South Carolina

Paid research already tracks city and county programs, employer-assisted paths, specialty and conditional paths for South Carolina.

8 tracked deeper records

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What unlocks after payment

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 programs

City and county down payment or closing-cost programs that never make it into the free statewide layer.

1 tracked

employer-assisted paths

Employer-linked housing incentives and workforce programs that matter only if they fit your job or agency.

6 tracked

specialty and conditional paths

Conditional, paused, or specialty paths worth checking before you assume the state is a dead end.

Open the full South Carolina board

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