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SC Housing Homebuyer Program: 
A Mortgage You Can Live With

Family closing on their first home

At SC Housing, we have assisted thousands of South Carolinians in purchasing a home.   We offer a variety of mortgage financing options through one of our Lending Partners to make owning a home affordable. 

SC Housing’s Homebuyer Program can put you in a loan you can live with – one that’s affordable and consistent over the long term. Our loans offer:

  • Low, fixed interest rates
  • Down Payment Assistance - For many people considering a first home purchase, saving enough money for the down payment and other costs can be a challenge. At SC Housing we understand this, and we are here to help you meet this challenge with a variety of down payment assistance programs.

For full details please read our Homeownership Program Handout (PDF).

Our SC Housing Homebuyer (BOND) and Mortgage Tax Credit Certificate (MCC) programs are subject to county specific household income and sales price limits. Currently our bond program offers Forgivable Down Payment Assistance (DPA) with a zero percent (0%) interest rate and no monthly payments. The DPA is a second lien with 15-year (180 month) term. If the borrower(s) remain in the home for the full term, the lien is forgiven.

Please review our Income and Home Price Limits for full details.  

For a PDF Version  - 2024/2025 Income and Home Price Limits