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Homeownership Program

South Carolina

Available Assistance

SC Housing offers qualified individuals with a $6,000 down payment assistance program, in the form of a repayable, second mortgage. This option is for borrowers who fall above 80 percent of the median income, to help finance a newly constructed home. This mortgage comes with a 10-year term and a fixed interest rate of 2 percent. Repayment of the loan begins in the same month as the first mortgage begins, and runs concurrently for the 10 years. In addition to SC Housing first mortgage requirements, all borrowers must meet Repayable DPA Sales Price and Income Limits.

Eligibility Requirements

This assistance program is for borrowers who fall below the 80 percent of the median household income. SC Housing offers $6,000 down payment assistance for qualified borrowers in the form of a 10-year, forgivable, second mortgage. This means that it does not need to be repaid; there is zero interest and no monthly payments. As long as the borrowers occupy the home for a period of 10 years, the assistance will be fully forgiven. In addition to SC Housing first mortgage requirements, all borrowers must meet Forgivable DPA Sales Price and Income Limits.

Property Guidelines

None

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