Palmetto Heroes

Palmetto Heroes是面向South Carolina购房者的可免除贷款，由South Carolina State Housing Finance and Development Authority (SC Housing)管理。 Palmetto Heroes is SC Housing's annual initiative honoring educators, first responders (law enforcement, corrections, firefighters, EMTs, paramedics), licensed medical professionals, active-duty military, SC National/Air National Guard reservists, and veterans. Qualified first-time homebuyers in these professions receive FHA, VA, USDA, or Conventional financing at a lower fixed rate plus $10,000 in DPA as a 15-year, 0% interest, no-payment forgivable second mortgage. Annual cycle with limited funding (2026 reservations opened 03/16/2026). $10,000 forgivable DPA (0%, no payment). Forgiven after 15 years. Lower fixed rate. FHA/VA/USDA/Conventional. Covers down payment, closing costs, prepaids. 资金来自SC Housing mortgage revenue bond (BOND) program。

Palmetto Heroes提供最高$10,000的援助。 金额是该项目公布的上限，并非报价——具体每人的援助金额由South Carolina State Housing Finance and Development Authority (SC Housing)决定。

Palmetto Heroes在15年后免除，因此住满这段时间的购房者无需偿还。 触发还款的情形：DPA repaid in full on sale, refinance, or non-occupancy before the 15-year (180-month) maturity; forgiven if borrower remains for full term. 该援助以Second顺位留置权登记。 免除和还款条款由项目设定，并可能变化——申请前请在项目官方网页上确认。

Palmetto Heroes面向首次购房者和将房屋作为主要住所自住的购房者。 此处的“首次”有例外情况：Must meet SC Housing First-Time Homebuyer rules; eligible veterans exempt from FTHB requirement. 居住要求：Property must be in South Carolina。 At least one borrower in an eligible profession (certified educator; law enforcement/corrections; firefighter/EMT/paramedic; SC-licensed medical professional in patient-facing role; or active-duty military/Guard reservist/veteran with non-dishonorable discharge). Must meet SC Housing FTHB rules. Annual program; closes when funds exhausted. min_credit_score, max_dti, homebuyer education defer to SC Housing Homebuyer (BOND) Program Guide (not fully read this pass). income_limit_amount = Charleston County 3+ person ($127,535) as representative figure (county-specific).

Palmetto Heroes将家庭收入限制在$127,535。 该限制适用于家庭总收入，而不仅是借款人的收入。 地区收入中位数由HUD公布并每年更新，因此在依据某个数字之前，请查看该县的最新表格。

Palmetto Heroes将房价上限设为$450,000。 符合条件的房屋类型包括Single Family、Condo和Townhouse。

Palmetto Heroes在其服务群体中提到了退伍军人、现役军人、预备役人员和国民警卫队成员、教育工作者、执法人员、消防员和医护人员。 在此列出仅表示项目提到了该群体，并不表示仅凭群体身份即可使申请人符合条件——其余资格规则仍然适用。

Palmetto Heroes服务于在South Carolina任何地方购房的购房者。

Palmetto Heroes的申请通过South Carolina State Housing Finance and Development Authority (SC Housing)办理，该机构在其网站上公布现行条款和申请步骤。 资金通过Lender reservation/rate lock through SC Housing; executed sales contract required before locking. 2026 reservations opened 03/16/2026; all loans closed/purchased by 12/31/2026.预留。 Hey Prescott不是贷款机构，也不受理申请；本页介绍该项目，方便购房者向贷款机构或住房咨询师咨询。