South Carolina • First-Time Homeowner programs
First-Time Homeowner grants in South Carolina
Browse first-time homeowner grants available in South Carolina, including statewide and local programs.
5 active programs in South Carolina
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South Carolina State Housing Finance and Development AuthoritySCFirst-Time HomeownerCombination of 30 year fixed rate first mortgages paired with forgivable zero percent interest second mortgage down payment assistance loans, typically around 10000 dollars or a percentage of the loan amount depending on the specific program.
Updated: Dec 6, 2025
Statewide umbrella page that organizes SC Housing’s primary homebuyer offerings, including the Homebuyer Program, Palmetto Home Advantage, County First Initiative, Housing Choice Voucher Homeownership, and Mortgage Credit Certificates—all designed to pair affordable 30-year fixed mortgages with down payment assistance and tax benefits for South Carolina buyers.
Eligible for: Low- to moderate-income homebuyers in South Carolina, including many first-time buyers and some repeat buyers, who meet SC Housing income, p…
South Carolina State Housing Finance and Development AuthoritySCFirst-Time HomeownerBond funded 30 year fixed rate first mortgage paired with a zero percent interest no payment second mortgage down payment assistance loan of about 10000 dollars that is forgiven over a 15 year term when occupancy requirements are met.
Updated: Dec 6, 2025
Flagship SC Housing bond program offering affordable fixed-rate mortgages plus forgivable down payment assistance to first-time buyers statewide.
Eligible for: First-time homebuyers (and certain eligible buyers in targeted counties or veteran exceptions) who meet SC Housing’s income and purchase pri…
City of Greenville – Community DevelopmentSCFirst-Time HomeownerReferral hub connecting buyers to SC Housing mortgages and local down payment assistance grants and low interest loans offered by partners such as CommunityWorks and Greenville County Human Relations, which may provide up to 20000 dollars in forgivable assistance or 10000 dollar low interest loans for down payment and closing costs.
Updated: Dec 6, 2025
City of Greenville’s central resource page that routes residents to multiple down payment assistance options, homebuyer education, and counseling services designed to make purchasing a home in Greenville more affordable.
Eligible for: Prospective homebuyers in Greenville, SC—primarily low- to moderate-income first-time buyers—who are seeking down payment help, homebuyer ed…
Richland County Community Development OfficeSCFirst-Time HomeownerZero percent interest deferred second mortgage loan of up to 24500 dollars funded with HUD resources and fully forgiven after a required owner occupancy period, with prorated repayment if the home is sold, refinanced or rented before the end of the term.
Updated: Dec 6, 2025
Richland County’s RCHAP provides up to $24,500 in forgivable down payment and closing cost assistance to low- and moderate-income first-time buyers purchasing homes in unincorporated Richland County, improving access to safe, affordable owner-occupied housing.
Eligible for: First-time homebuyers (or those who have not owned a home in the past three years) purchasing a single-family detached home built after 1978…
City of Florence – Community Services DepartmentSCFirst-Time HomeownerCombination of CDBG supported down payment and closing cost assistance up to 30000 dollars paired with affordable first mortgage financing for eligible buyers who complete the city homebuyer education requirements.
Updated: Dec 6, 2025
City of Florence’s First-Time Homebuyers Program offers structured education plus generous down payment and closing cost assistance—up to $30,000—to help income-eligible residents become successful long-term homeowners in Florence’s targeted neighborhoods.
Eligible for: Low- to moderate-income first-time homebuyers purchasing an eligible home within Florence city limits who attend required homebuyer educatio…