SC Housing Made It Home! Program

SC Housing Made It Home! Program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。 SC Housing's Made It Home! Program provides up to $25,000 in forgivable down payment and closing cost assistance to eligible homebuyers purchasing one of 130 newly constructed affordable single-family homes built by five SC Housing-approved builders across South Carolina. The program pairs buyer DPA with builder subsidies to expand affordable workforce housing inventory. Cannot be combined with other SC Housing DPA programs, but may be layered with FHLB DPA as a third lien. Up to $25,000 forgivable DPA as a zero-interest second mortgage, fully forgiven after 10 years if buyer remains in home as primary residence. Compatible with FHA, VA, USDA, and Conventional first mortgages (or SC Housing Bond first mortgage). 资金来自SC Housing agency reserves (initial phase); future phases contingent on SC Legislature appropriations。

SC Housing Made It Home! Program提供$25,000至$25,000的援助。 援助档次：Made It Home! DPA: $25,000, 10-year forgivable second mortgage, 0% interest, no monthly payments; repayable upon sale/refinance/loss of primary residency before maturity. 购房者自付部分：No stated minimum borrower contribution beyond AUS/insurer requirements。 该项目可与Federal Home Loan Bank (FHLB) DPA as third lien. Cannot stack with other SC Housing DPA products.结合使用。 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。

SC Housing Made It Home! Program在10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：Sale, refinance, or property no longer primary residence prior to 10-year maturity。 该援助以2nd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。

SC Housing Made It Home! Program面向将房屋作为主要住所自住的购房者。 关于信用，该项目说明：640 minimum FICO for all borrowers (when using SC Housing Bond first mortgage)。 须参加购房者教育课程，由HUD-approved counseling agency; Fannie Mae HomeView; Freddie Mac CreditSmart; any NIS or HUD-approved MI company course提供。 公民身份或移民身份：US Citizen or Permanent Resident Alien with valid Green Card (I-551); VISA holders not eligible under SC Housing Bond。 Home must be from one of five SC Housing-approved builders (D.R. Horton, Gainey Construction Co., Housing Development Corporation of Rock Hill, McGuinn Homes, Oak and Ave Property Group). Homes must be completed before purchase. Cannot combine with other SC Housing DPA. FHLB DPA may be layered as third lien. DPA loan term: 10-year forgivable second mortgage at 0% interest, no monthly payments; full repayment due upon sale, refinance, or loss of primary residency before maturity. Subordination of DPA not permitted.

SC Housing Made It Home! Program将家庭收入限制在$135,000。 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。

SC Housing Made It Home! Program将房价上限设为$200,000。 符合条件的房屋类型包括single_family。 新建房屋符合条件。 预制房屋不符合条件。

SC Housing Made It Home! Program服务于在South Carolina任何地方购房的购房者。

SC Housing Made It Home! Program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SC Housing Lender Online (lol.schousing.com)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。