Down payment assistance · Berkeley County
Buying a home in Saint Stephen, SC
11 statewide.Saint Stephen has no program of its own, and 11 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
What’s local to Saint Stephen
No program of Saint Stephen’s own yet
No program run for Saint Stephen or for Berkeley County alone is listed. A home in Saint Stephen can use the South Carolina statewide and federal programs below.
The closest city that runs its own program is Goose Creek, about 30 miles away. City programs usually require the home to be inside that city’s limits.
Neighboring cities
2 programs for homes in nearby cities
2 more programs are for homes in Goose Creek. See them 2 programs in neighboring cities — for homes inside those cities, not Saint Stephen
- Goose Creek — CommunityWorks City of Goose Creek Employer Assisted Homebuyer Program
- Goose Creek — City Of Goose Creek Employer Assisted Homebuyer Program
The Saint Stephen marketThe Saint Stephen housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Saint Stephen
- 45.1% single-familysingle-family
- 0% townhousetownhouse
- 13.8% 2–4 units2–4 units
- 4.6% 5+ unitscondo & apartment buildings (5+ units)
- 36.5% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Saint Stephen’s homes were built
37.2%
of Saint Stephen homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
11 of the 73 programs here set their income limit as a share of Berkeley County’s area median income, adjusted for household size. See the published limits for Berkeley County
Free help nearbyFree help near Saint Stephen
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Create a free account to see who’s near you and pick one.A HUD-approved counselor teaches homebuyer classes and can walk you through your options. Create a free account to see who’s near you and pick one.
Free account → 90-second match → your counselors · Sign in
Across South Carolina and nationwide
73 statewide & federal programs11 statewide programs, plus federal options
Saint Stephen questions
Does Saint Stephen have its own down payment program?
No program run for Saint Stephen alone is listed. A home in Saint Stephen can use the 11 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Saint Stephen?
Each program sets which kinds of homes it accepts. Where the agency publishes them, the program’s page lists them; the agency confirms it for the home you choose.
What is the income limit in Berkeley County?
Each program sets its own. 11 of the programs here set theirs as a share of HUD’s area median income for Berkeley County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Saint Stephen?
HUD-approved housing counseling agencies teach homebuyer classes. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
29479
Nearby in Berkeley
Sources
Sources: agency sites (July–August 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (July–August 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.