Florence · Florence County
CDBG Target Area Down-payment Assistance
Forgivable loan · 80% of area median income
Programs by loan typePrograms by loan type · South Carolina
Down payment assistance you can pair with a USDA loan in South Carolina
32 programs name USDA loans: 15 city, 7 county or regional, 10 statewide.32 programs in South Carolina name USDA loans among the first mortgages they can be paired with: 15 run by a city, 7 by a county or regional agency and 10 open statewide.
Two approvals, made separately. The lender underwrites the USDA loan; the program reviews its own application, and the lender must also accept the assistance. The loan type is one rule among several.The lender underwrites the USDA loan; the assistance program reviews its own application. A program naming USDA means the two can be combined, and the lender must also accept the assistance as a source of funds. The loan type is one rule among several.
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The 32 programs, closest first
From one city out to the whole state
Listed A–Z within each group, not ranked.A city program covers homes inside that city; a county or regional program, homes in its area; a statewide program, an eligible home anywhere in South Carolina. Listed A–Z within each group, not ranked.
In a South Carolina city 15 programs
For homes inside that city’s limits onlyBeaufort · Beaufort County
City Of Beaufort Employer Assisted Housing Program
Forgivable loan
Goose Creek · Berkeley County
City Of Goose Creek Employer Assisted Homebuyer Program
Forgivable loan
Greenville · Greenville County
City of Greenville Employer Assisted Homebuyer Pilot Program
Forgivable loan
Spartanburg · Spartanburg County
City of Spartanburg Homebuyer Assistance Program
Forgivable loan · 80% of area median income
Sumter · Sumter County
City of Sumter Affordable Homebuyer Program
Forgivable loan
Goose Creek · Berkeley County
CommunityWorks City of Goose Creek Employer Assisted Homebuyer Program
Forgivable loan
Spartanburg · Spartanburg County
CommunityWorks City of Spartanburg Homebuyer Assistance Program
Forgivable loan · 80% of area median income
In a county or region 7 programs
For homes anywhere in the county or the counties namedBeaufort County
Beaufort Memorial Employer Assisted Housing Program
Forgivable loan
Greenville County
CommunityWorks City of Greenville Employer Assisted Homebuyer Pilot Program
Forgivable loan · 150% of area median income
Multiple County
County First Initiative
Forgivable loan
Greenville County
Greenville County Homebuyer Assistance Program
Forgivable loan · 120% of area median income
Lexington County
Lexington County Homeownership Assistance Program
Deferred second loan
Richland County
Richland County Home Ownership Assistance
Forgivable loan · 80% of area median income
Spartanburg County
Spartanburg Regional Healthcare System Employee Homebuyer Assistance Program
Forgivable loan
Anywhere in South Carolina 10 programs
Can sit alongside a city or county program where both allow it- FHLBank Atlanta Community Partners ProductUp to $20,000 · Assistance grant
- FHLBank Atlanta First-time Homebuyer Product (FHP)Up to $17,500 · Assistance grant · First-time homebuyers
- Palmetto HeroesUp to $10,000 · Forgivable loan · First-time homebuyers
- Palmetto Home AdvantageForgivable loan
- Prisma Health Employer Assisted Housing ProgramForgivable loan
- SC Housing Homebuyer ProgramForgivable loan · First-time homebuyers
- SC Housing Homebuyer Program - Families with Disabilities Community Lending InitiativeUp to $10,000 · Forgivable loan
- SC Housing Homebuyer Program - First-Generation Homebuyer Community Lending InitiativeUp to $10,000 · Forgivable loan · First-time homebuyers
- SC Housing Made It Home! ProgramUp to $25,000 · Forgivable loan
- SC Housing Mortgage Tax Credit Program (Mortgage Credit Certificate / MCC)Up to $2,000 · Mortgage credit certificate · First-time homebuyers
Nationwide 25 programs · not in the 32
Nationwide: 25 more, not in the 3225 nationwide programs that also name USDA loans, each with its own area and eligibility rules
- American Pacific Mortgage Pathway DPA
- Chase Bank Homebuyer Grant
- Chico Rancheria Housing Corporation Homebuyer Assistance
- Confederated Tribes of Grand Ronde Down Payment Assistance
- Essex Mortgage 10 Year Amortized 2 Plus
- Essex Mortgage Forgivable/Deferred Program
- Fairway Independent Mortgage Corporation Affordable Housing
- Fairway Independent Mortgage Corporation HOPER's Incentive Program
- Flagstar - Flagstar Gift Program
- Great Nevada Mortgage Middle-Income Downpayment Assistance Grants
- Land Home Financial Services, Inc. House2Home Program
- Lennar Mortgage Advantage Plus Program
- MEP Advantage DPA Program
- National Homebuyers Fund (NHF) - Data Mortgage, Inc. dba Essex Mortgage Deferred Down Payment Assistance Program
- North Fork Rancheria Indian Housing Authority Down Payment Assistance Program
- Northern Circle Indian Housing Authority Down Payment Assistance
- Primary Residential Mortgage Down Payment Program
- Primary Residential Mortgage Inc. Welcome Home Down Payment Assistance Program
- Siletz Tribal Housing Department Down Payment Assistance
- Susan's Savings First Time Home Buyers Program
- Tyndall Federal Credit Union $1,000 Off Closing Cost
- Tyndall Federal Credit Union $450 Closing Cost
- U.S. Department of Housing and Urban Development HCV Homeownership Program
- U.S. Department of the Interior Indian Affairs Down Payment Assistance
- USDA Rural Development Single Family Housing Guaranteed Loan Program
- All nationwide programs →
What to know
What the 32 records say
From each program’s own record. The agency decides who can use it.Counted from each program’s own record. A program’s agency decides who can use it.
- 30 of 32
ask for a homebuyer education class.
- 18 of 32
are limited to first-time homebuyers, as each program defines it.
- 28 · 2 · 1
are forgivable loans, assistance grants and deferred second loans. The other 1 is 1 mortgage credit certificate.
Free help in South CarolinaFree help in South Carolina
13 HUD-approved counseling agencies in South Carolina13 HUD-approved housing counseling agencies in South Carolina
30 of 32 of these programs ask for a homebuyer class. A HUD-approved counselor teaches it and can explain how the assistance and a USDA loan fit together.30 of 32 of these programs ask for a homebuyer class. A HUD-approved counselor teaches it and can explain how an assistance program and a first mortgage fit together, before you talk to a lender. Create a free account to see who’s near you.
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Questions, answered
Can down payment assistance be used with a USDA loan in South Carolina?
32 programs in South Carolina name USDA loans among the loan types they can be paired with. The assistance program and the first-mortgage lender underwrite separately, so a lender must also be willing to accept the assistance as a source of funds.
Does naming USDA loans mean a program is open to everyone using one?
No. The loan type is one eligibility rule among several — income limits, purchase price caps, credit requirements and occupancy rules all still apply, and each program sets its own.
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.
Programs and counts: Hey Prescott program records, each verified with its administering agency (June–August 2026). Counselors: HUD housing counseling agency list. Hey Prescott is not a lender.