Step 1: Get Pre-Approved First

Before shopping for homes, you must:

1. Get pre-approved with a trusted lender

2. Verify income eligibility

3. Review credit requirements

4. Confirm property eligibility

We coordinate directly with preferred lenders to match your mortgage (FHA, VA, USDA, Conventional) with the best South Carolina down payment assistance program.

👉 Schedule Your FREE Buyer Consultation

South Carolina Down Payment Assistance Programs

🏛 SC State Housing Down Payment Assistance

Through the South Carolina State Housing Authority, qualified buyers may receive:

• $10,000 – $15,000 assistance

• Forgivable loan options

• Fixed-rate mortgage pairing

• Homebuyer education required

Ideal for first-time buyers or buyers who haven’t owned in 3 years.

🌾 USDA Rural Housing – 100% Financing

The United States Department of Agriculture (USDA) offers 100% financing for eligible rural areas in South Carolina.

Benefits: ✔ No down payment ✔ Competitive interest rates ✔ Flexible credit guidelines ✔ Income limits apply

2023 income limits:

• 1–4 members: $103,500

• 5–8 members: $136,600

Perfect for buyers in Lexington, Kershaw, Richland outskirts, and rural communities.

👉 Check eligibility at USDA.gov

🏡 NACA Home Buying Program

The Neighborhood Assistance Corporation of America (NACA) program offers:

✔ No down payment ✔ No closing costs ✔ No PMI ✔ Below-market fixed interest rates ✔ No minimum credit score requirement

Ideal for buyers willing to complete financial counseling and documentation preparation.

🎯 SC Hardest Hit Fund – $15,000 Assistance

Available in select zip codes in:

• Richland County

• Lexington County

• Sumter County

Program Highlights:

✔ $15,000 down payment assistance ✔ 0% interest second mortgage ✔ No monthly payments ✔ 10-year term ✔ Minimum 620 credit score

Funding is limited and first-come, first-served.

🏘 Housing Choice Voucher Program (HCVP)