Down payment assistance income limits in South Carolina
50 down payment assistance programs in South Carolina publish an income limit, a purchase price cap, or both.
Every figure below is the limit the administering agency publishes. Limits are revised as area incomes and local prices move, so confirm current figures with the agency before relying on them.
Area median income by county
HUD's published four-person area median income for each South Carolina county. A program that sets its limit at a percentage of area median income applies that percentage to the figure for the county where the home is, adjusted for household size.
| County | Published | 4-person median |
|---|---|---|
| Abbeville | 2026 | $73,200 |
| Aiken | 2026 | $90,400 |
| Allendale | 2026 | $55,000 |
| Anderson | 2026 | $95,100 |
| Bamberg | 2026 | $63,200 |
| Barnwell | 2026 | $67,100 |
| Beaufort | 2026 | $113,000 |
| Berkeley | 2026 | $117,500 |
| Calhoun | 2026 | $92,400 |
| Charleston | 2026 | $117,500 |
| Cherokee | 2026 | $73,100 |
| Chester | 2026 | $67,400 |
| Chesterfield | 2026 | $67,100 |
| Clarendon | 2026 | $73,800 |
| Colleton | 2026 | $67,700 |
| Darlington | 2026 | $69,600 |
| Dillon | 2026 | $55,000 |
| Dorchester | 2026 | $117,500 |
| Edgefield | 2026 | $90,400 |
| Fairfield | 2026 | $92,400 |
| Florence | 2026 | $79,300 |
| Georgetown | 2026 | $85,600 |
| Greenville | 2026 | $106,400 |
| Greenwood | 2026 | $74,600 |
| Hampton | 2026 | $61,900 |
| Horry | 2026 | $86,000 |
| Jasper | 2026 | $82,300 |
| Kershaw | 2026 | $97,800 |
| Lancaster | 2026 | $113,900 |
| Laurens | 2026 | $79,900 |
| Lee | 2026 | $61,400 |
| Lexington | 2026 | $92,400 |
| Marion | 2026 | $51,500 |
| Marlboro | 2026 | $57,300 |
| Mccormick | 2026 | $83,800 |
| Newberry | 2026 | $78,900 |
| Oconee | 2026 | $90,100 |
| Orangeburg | 2026 | $73,300 |
| Pickens | 2026 | $106,400 |
| Richland | 2026 | $92,400 |
| Saluda | 2026 | $92,400 |
| Spartanburg | 2026 | $91,200 |
| Sumter | 2026 | $74,200 |
| Union | 2026 | $63,100 |
| Williamsburg | 2026 | $62,700 |
| York | 2026 | $117,400 |
Published limits by program
| Program | Income limit | Price cap |
|---|---|---|
| Aiken County Habitat for Humanity Homeowner ProgramAiken · Aiken | 60% of area median incomeTotal household income must fall between 30% and 60% of HUD Area Median Income for Aiken County by household size. Household income = all funds legally received on a regular schedule by all members. Dollar limits by size determined via the HUD User Income Limits Documentation System (not published as a table on the affiliate site). | — |
| Beaufort Memorial Employer Assisted Housing ProgramBeaufort · Beaufort | $280,900Household income range $74,500-$280,900 covers full Beaufort Memorial Hospital employee wage band. | — |
| CDBG Target Area Down-payment AssistanceFlorence · Florence | 80% of area median incomeHousehold income must be within the City of Florence eligible range, approximately 80% AMI for Florence, SC: 1p $39,350; 2p $44,950; 3p $50,550; 4p $56,150; 5p $60,650; 6p $65,150; 7p $69,650; 8p $74,200. All income sources are identified and counted. | — |
| Central South Carolina Habitat for Humanity Homeownership ProgramColumbia · Richland | See programIncome-qualified families in need; selected on ability to repay an affordable mortgage (Richland & Lexington Counties). | — |
| Charleston Habitat for Humanity Homeownership ProgramCharleston · Charleston | $94,000Standard max annual income by household size: 1=$68,500; 2=$75,200; 3=$84,600; 4=$94,000; 5=$101,550; 6=$109,050; 7=$116,600; 8=$124,100. Minimum annual income: 1=$28,805; 2=$32,900; 3=$37,030; 4=$41,125. VETERANS max income: 1=$98,760; 2=$112,800; 3=$126,960; 4=$141,000. | — |
| City Lender I - with Down Payment Assistance (City of Columbia)Columbia · Richland | 80% of area median incomeOwner-occupied loans only. Max income by household size (City Lender I, rev. 5/11/2026, Columbia SC HMFA): 1 $51,750; 2 $59,150; 3 $66,550; 4 $73,900; 5 $79,850; 6 $85,750. | $225,000 |
| City Of Beaufort Employer Assisted Housing ProgramBeaufort · Beaufort | $280,900Household income range $149,000-$280,900 covers City of Beaufort employee wage band. | — |
| City of Charleston Homeownership Initiative (HI) - First-Time Homebuyer ProgramCharleston · Charleston | 120% of area median incomeHousehold income between 50% and 120% AMI for the Charleston-North Charleston-Summerville MSA by household size. Per City FY2025-2026 limits, 120% AMI = $133,080 (4-person); 100% AMI = $110,900 (4-person). | — |
| City Of Goose Creek Employer Assisted Homebuyer ProgramGoose Creek · Berkeley | $85,000Household income range $60,000-$85,000 (80%-120% AMI Charleston MSA). | — |
| City of Greenville Employer Assisted Homebuyer Pilot ProgramGreenville · Greenville | See programAssistance is tiered by household income relative to the City of Greenville AMI: <=80%, >80-100%, >100-120%, >120-150% AMI. Eligibility extends up to 150% AMI. Specific dollar limits by household size set by CommunityWorks using HUD AMI figures, not published on the fact sheet. | — |
| City of Spartanburg Homebuyer Assistance ProgramSpartanburg · Spartanburg | 80% of area median income80% AMI Spartanburg MSA HUD HOME limits. $42,150 (1-person) - $79,400 (8-person). | $251,000 |
| City of Sumter Affordable Homebuyer ProgramSumter · Sumter | $38,000Maximum household income must not exceed HUD income limits: 1 person $26,600; 2 $30,400; 3 $34,200; 4 $38,000; 5 $41,050; 6 $44,100; 7 $47,150; 8 $51,200. Income verified using the Section 8 (Part 5) definition for all household members 18 or older. | — |
| CommunityWorks City of Goose Creek Employer Assisted Homebuyer ProgramGoose Creek · Berkeley | See programTiered: up to $15,000 for <80% AMI; up to $12,500 for 80-100% AMI; up to $7,500 for >100% AMI. No hard income cap stated. | — |
| CommunityWorks City of Greenville Employer Assisted Homebuyer Pilot ProgramGreenville · Greenville | 150% of area median incomeTiered up to 150% AMI. Full-time: $50k at ≤80% AMI; $40k at 80-100%; $30k at 100-120%; $20k at 120-150%. Part-time: $25k at ≤80%; $20k at 80-100%; $15k at 100-120%; $10k at 120-150% (Greenville County 2025 AMI: 4-person 100% = $97,300; 4-person 80% = $77,350). | — |
| CommunityWorks City of Spartanburg Homebuyer Assistance ProgramSpartanburg · Spartanburg | 80% of area median incomeAt or below 80% AMI for Spartanburg County (4-person limit $65,700 per 2025 HUD limits). Households 80-100% AMI may qualify for certain properties. | $237,000 |
| CommunityWorks Town of Bluffton Employer Assisted Homebuyer ProgramBluffton · Beaufort | 80% of area median incomeTiered: up to $25,000 at <80% AMI; $20,000 at 80-119% AMI; $15,000 at 120-139% AMI; $10,000 at 140%+ AMI. Uses Beaufort County AMI (2025 4-person 80% AMI = $88,100). | — |
| County First InitiativeMultiple | $157,500MRB targeted-area limits per IRS Section 143: $108,600 (1-2 person) / $157,500 (3+ person) household income across all County First counties. | $450,000 |
| FHLBank Atlanta Community Partners Product | 80% of area median incomeHousehold income at or below 80% of county area median income (or state median family income, whichever is higher), adjusted for family size, per annual HUD publication. | — |
| FHLBank Atlanta First-time Homebuyer Product (FHP) | 80% of area median incomeHousehold income at or below 80% of county area median income (or state median family income, whichever is higher), adjusted for family size, per annual HUD publication. | — |
| Greater Florence Habitat for Humanity Homeownership ProgramFlorence · Florence | 60% of area median incomeIncome between 30% and 60% of regional area median income. | — |
| Greenville County Homebuyer Assistance ProgramGreenville | 120% of area median incomeGreenville County / MSA AMI tiers from 50% AMI ($49,650 1p) to 120% AMI ($140,400 8p). | $250,000 |
| Habitat for Humanity of Anderson County Homeownership ProgramAnderson · Anderson | 60% of area median incomeHousehold income must be below 60% of the area median income for Anderson County (no published dollar table). Must show steady income, ability to pay ~25% of gross monthly income toward the house payment incl. taxes/insurance, and ability to pay projected utilities. | — |
| Habitat for Humanity of Greenville County Homeownership ProgramGreenville · Greenville | 80% of area median incomeHousehold income between 30% (min) and 80% (max) of AMI for the family size. | — |
| Habitat for Humanity of Horry County Homebuyer ProgramMyrtle Beach · Horry | 80% of area median incomeHousehold income between 35% and 80% of AMI for Horry County. | — |
| Habitat for Humanity of Spartanburg Homeownership ProgramSpartanburg · Spartanburg | See programNo specific income table published. Eligibility based on Need for Assistance and Ability to Pay; serves low-income families. GAP: exact AMI percentage/table not published. | — |
| Habitat for Humanity of the Lowcountry Homeownership ProgramBluffton · Beaufort | 80% of area median incomeHousehold income must be above $40,000 AND below the HUD maximum per family size (Beaufort County 2025: 4-person max ~80% AMI = $88,100). Both Beaufort and Jasper County families may apply (income limits differ by county). Current HUD income limits table published on HFHL website. | — |
| Habitat for Humanity of York County Homeownership ProgramRock Hill · York | 60% of area median incomeIncome between 30% and 60% of HUD AMI; limited availability 60-80%. | — |
| Homebuyer Assistance ProgramSpartanburg · Spartanburg | 80% of area median incomeHousehold income at or below 80% of AMI for Spartanburg, SC HUD Metro FMR Area (FY2025): 1p $44,300; 2p $50,600; 3p $56,950; 4p $63,250; 5p $68,350; 6p $73,400; 7p $78,450; 8p $83,500. (For a family of 4, approximately $63,250.) | $251,000 |
| Housing Authority of Myrtle Beach HCV Homeownership ProgramMyrtle Beach · Horry | See programMust meet HCV income eligibility and a minimum income requirement; tenant payment generally 30% of adjusted monthly income. Specific dollar table not published on the page. | — |
| Housing Development Corp. of Rock Hill First Time Home Buyer ProgramRock Hill · York | 80% of area median incomeHousehold income must be at or below 80% AMI for the Rock Hill / Charlotte-Concord-Gastonia metro area (York County, SC), FY2025: 1p $59,400; 2p $67,900; 3p $76,400; 4p $84,850; 5p $91,650; 6p $98,450; 7p $105,250; 8p $111,950. | — |
| Lexington County Homeownership Assistance ProgramLexington | $74,150Maximum allowable household income (current County web page, HUD-based): 1 person $51,950; 2 $59,350; 3 $66,750; 4 $74,150; 5 $80,100; 6 $86,050; 7 $91,950; 8 $97,900. Figures subject to change as calculated by HUD. | $295,000 |
| Neighborhood Redevelopment Down-payment AssistanceFlorence · Florence | 80% of area median incomeHousehold income must be within the City of Florence eligible range, approximately 80% AMI for Florence, SC: 1p $39,350; 2p $44,950; 3p $50,550; 4p $56,150; 5p $60,650; 6p $65,150; 7p $69,650; 8p $74,200. All income sources counted. | — |
| North Pointe Subdivision Down-payment AssistanceFlorence · Florence | 80% of area median incomeHousehold income must be within the City of Florence eligible range, approximately 80% AMI for Florence, SC: 1p $39,350; 2p $44,950; 3p $50,550; 4p $56,150; 5p $60,650; 6p $65,150; 7p $69,650; 8p $74,200. All income sources counted. | — |
| Northside Development Group Spartanburg Home Buyer AssistanceSpartanburg · Spartanburg | $191,400Mixed-income tier $42,150 (50% AMI) - $191,400 (~240% AMI) supports neighborhood revitalization plan. | — |
| Oconee County Habitat for Humanity Homeownership ProgramSeneca · Oconee | 70% of area median incomeTotal household income between 40% and 70% of Oconee County AMI (adjusted for family size). Current income guidelines included in information packet from OCHFH. | — |
| Palmetto Heroes | $127,535County-specific compliance income limits per SC Housing schedule (2025/2026). Example Charleston County: $110,900 (1-2 persons), $127,535 (3+). | $450,000 |
| Palmetto Home AdvantageStatewide · Statewide | $135,750$135,750 maximum household income statewide (SC Housing non-bond TBA limit, all household sizes). | — |
| Pickens County Habitat for Humanity Homeownership ProgramClemson · Pickens | 80% of area median incomeAnnual household income between 45% and 80% AMI for Pickens County. 2024 guidelines in use (2025 not yet posted). Exact dollar amounts provided in information packet from PCHFH. | — |
| Prisma Health Employer Assisted Housing ProgramStatewide | $140,400Household income range $59,200-$140,400 covers Prisma Health employee wage band. | — |
| Richland County Home Ownership AssistanceRichland | 80% of area median incomeMaximum gross household income at or below 80% AMI for Columbia, SC HUD Metro FMR Area (Richland County), FY2025: 1p $51,950; 2p $59,350; 3p $66,750; 4p $74,150; 5p $80,100; 6p $86,050; 7p $91,950; 8p $97,900. Limits updated annually. | $273,000 |
| SC Housing Homebuyer ProgramStatewide · Statewide | $157,500MRB income limits per IRS Section 143. Non-targeted: $90,500 (1-2p) / lower for larger households. Targeted: $108,600 (1-2p) / $157,500 (3+p). | $450,000 |
| SC Housing Homebuyer Program - Families with Disabilities Community Lending Initiative | See programCounty-specific income limits per SC Housing 2025/2026 chart. Non-targeted: $90,500-$112,200 (1-2 persons), $104,075-$129,030 (3+). Targeted up to $135,000/$157,500. | $450,000 |
| SC Housing Homebuyer Program - First-Generation Homebuyer Community Lending Initiative | See programCounty-specific income limits per SC Housing 2025/2026 chart. Non-targeted: $90,500-$112,200 (1-2 persons), $104,075-$129,030 (3+). Targeted up to $135,000/$157,500. | $450,000 |
| SC Housing Made It Home! Program | $135,000Maximum income $135,000 when using lender's own first mortgage. If using SC Housing Bond first mortgage, use county-specific income limits from SC Housing 2025/2026 chart. | $200,000 |
| SC Housing Mortgage Tax Credit Program (Mortgage Credit Certificate / MCC) | See programCounty-specific household income limits (2025/2026, eff. 04.15.2025). Non-targeted counties range ~$90,500 (1-2 persons)/$104,075 (3+ persons) up to York $112,200/$129,030; targeted counties higher, up to Beaufort $135,000/$157,500. Compliance income based on total income for anyone on the application and/or on title. | $450,000 |
| Sea Island Habitat for Humanity Homeownership ProgramJohns Island · Charleston | See programHousehold income must fall within HUD guidelines adjusted for family size (low-to-moderate income); specific dollar table not published on the homeownership page. | — |
| Spartanburg Regional Healthcare System Employee Homebuyer Assistance ProgramSpartanburg | $233,950Household income range $86,700-$233,950 covers SRHS employee wage band. | — |
| Sumter Habitat for Humanity Homeownership ProgramSumter · Sumter | 80% of area median incomeAnnual income must be 50%-80% of HUD AMI for the area. Income tables published on the affiliate site as image charts (separate Senior Cottage and Traditional Homeownership tables dated May 2026); income must be stable. GAP: dollar figures published as images and not extractable as text. | — |
| Town of Bluffton Homebuyer Assistance ProgramBluffton · Beaufort | $280,900Household income range $56,500-$280,900 supports broad workforce housing access in the Town of Bluffton. | — |
| USDA Section 502 Single Family Housing Direct Home Loans (South Carolina) | 80% of area median incomeAdjusted income must be at or below the low-income limit for the area (generally 80% AMI for low-income; very-low-income = 50% AMI). Payment subsidy further reduces payments. Specific SC county limits at rd.usda.gov/sites/default/files/RD-DirectLimitMap.pdf | — |
Questions, answered
What are the income limits for down payment assistance in South Carolina?
50 down payment assistance programs in South Carolina publish an income limit, a purchase price cap, or both. 26 express the limit as a percentage of the area median income for the county where the home is, and 29 publish a flat dollar figure instead.
Why does the same program have different income limits in different counties?
Because most limits are set as a percentage of area median income, which HUD publishes per county and revises annually. A program with one published percentage therefore admits a different dollar figure in each county, and the figure is further adjusted for household size.
Is a published limit the same as being approved?
No. An income limit is one eligibility rule among several — credit requirements, purchase price caps, occupancy rules and homebuyer education all apply separately, and the first-mortgage lender underwrites on its own terms. Always confirm current figures with the administering agency.
Is Hey Prescott a lender?
No. Hey Prescott is an educational directory of down payment assistance programs. We list programs and link to official sources; we do not make loans or give individualized lending advice.
90-second match
Not sure which you qualify for?
Answer 9 questions and we'll match you to every program you can actually use — in about 90 seconds. No SSN, no credit pull.
Find my programs