The Official Website of the South Carolina State Housing Finance & Development Authority

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Programs Available

Programs Available

The South Carolina State Housing Finance and Development Authority has various loan programs that may help you buy a home. Interest rates are competitive and depending on your income, there is down payment/closing cost assistance available to assist you in purchasing a home with little or no out of pocket funds. The major benefits to home buyers are lower interest rates and reduced mortgage insurance rates that allow you to have a more affordable monthly payment and save thousands of dollars over the life of a mortgage.

All SC Housing Loan Programs are based on a fixed interest rate loan with a maximum loan-to-value (LTV) of 97% (for Rural Housing) or 96.5% (for FHA). Therefore, if you buy a home for $100,000, the minimum down payment that would be required is $3,000 (for Rural Housing) or $3,500 (for FHA). Depending on your income, SC Housing may have down payment assistance funds available to pay all or part of the required down payment.

Getting started is easy. 

Just contact a Participating Lending Partner to apply today.


Click here to locate a Participating Lending Partner.

 First-Time Home Buyers in Non-Targeted Counties 

Aiken ~ Anderson ~ Charleston ~ Greenwood ~ Greenville ~ Lancaster ~ Lexington ~ Oconee ~ Pickens ~ Richland ~ Spartanburg ~ York


Home Buyers in Targeted Counties 

Abbeville ~ Allendale ~ Bamberg ~ Barnwell ~ Beaufort ~ Berkley ~ Calhoun ~ *Charleston ~ Cherokee ~ Chester ~ Chesterfield ~ Clarendon ~ Colleton ~ Darlington ~ Dillon ~ Dorchester ~ Edgefield ~ Fairfield ~ Florence ~ Georgetown ~ Hampton ~ Horry ~ Jasper ~ Kershaw ~ Laurens ~ Lee ~ McCormick ~ Marion ~ Marlboro ~ Newberry ~ Orangeburg ~ Saluda ~ Sumter ~ Union ~ Williamsburg 

* County Census Division  #53, Ravenel Division (Charleston County)

                  SC Housing Homebuyer Program

Current Rate Sheet

Homeownership Program Handout


General Requirements