Down payment assistance · South Carolina

Buying a home in South Carolina

50 programs: 11 statewide, the rest run by counties and 11 cities. What you can use depends on where the home is.50 programs across South Carolina: 11 statewide, the rest run by counties and 11 cities. What you can use depends on where the home is.

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Start with your county

Local help, prices and income limits differ county to county

County	Local programs	Median home value	Area median income (4 people)	Link
Spartanburg	6	$233,300	$91,200	See Spartanburg
Beaufort	5	$455,600	$113,000	See Beaufort
Florence	4	$177,900	$79,300	See Florence
Greenville	4	$299,000	$106,400	See Greenville
All 46 counties

Home values: Census ACS 2024 5-year. Income: HUD FY2026. Programs: Hey Prescott, verified July–August 2026.

Anywhere in South Carolina

11 statewide programs

Up to $25,000

SC Housing Made It Home! Program

Forgivable loan · Forgiven over 10 yrs · Income limits

See details

Up to $20,000

FHLBank Atlanta Community Partners Product

Assistance grant · Income limits · Veterans · Educators

See details

Up to $17,500

FHLBank Atlanta First-time Homebuyer Product (FHP)

Assistance grant · Income limits · First-time

See details

Plus 62 nationwide programs. See them See nationwide programs

Free help from a person

13 HUD-approved counseling agencies in South Carolina13 HUD-approved housing counseling agencies in South Carolina

8 of the 11 statewide programs ask for a homebuyer class first. Create a free account to see who’s near you.8 of the 11 statewide programs ask for a homebuyer class first. Create a free account, take the 90-second match, and we’ll show the counselors near you.

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Free account → 90-second match → your counselors

Income limitsIncome limits and price caps in South CarolinaArea median income for all 46 counties, and the limit each program sets.See the limits

South Carolina questions

What is SC Housing Made It Home! Program?

SC Housing Made It Home! Program, a forgivable loan (forgiven over 10 yrs, income limits), open anywhere in South Carolina and run by South Carolina State Housing Finance and Development Authority (SC Housing). Its page has the details and a link to the official site.

Which South Carolina counties run their own programs?

15 counties of 46 have a county or city program listed, among them Spartanburg, Beaufort, Florence and Greenville. The table above lists them, and each county page has its own programs.

Do I need a homebuyer class in South Carolina?

Many programs ask for one. 8 of the 11 statewide programs list a homebuyer education requirement. HUD-approved housing counseling agencies teach them, often for free.

Can I use assistance on a South Carolina condo?

Each program sets which kinds of homes it accepts; the program’s page lists them where the agency publishes them.

11 South Carolina cities with their own program