Program details reviewed November 2026By telephone: (800) 555-0100
South Carolina Down Payment AssistanceA careful guide for first-time buyers in the Palmetto State
A note on timingPalmetto Heroes is closed for 2026 and no 2027 dates are announced. The year-round SC Housing Homebuyer Program still offers $10,000 in forgivable down payment help.Review my eligibility

City programs

South Carolina cities with assistance of their own

Each city below offers buyers help in addition to what the state and county provide. Choose yours to read every program available there.

  • Columbia

    Columbia buyers: City Lender I offers up to $18,500 in forgivable DPA with a $500 down payment, plus city-built cottages. Limits, rules and how it stacks.

  • Spartanburg

    Spartanburg buyers can get up to $20,000 in forgivable DPA from the City program now. Northside and Local Heroes funds are paused. Rules, limits, next steps.

  • Greenville

    City of Greenville employees, including police and fire, can get up to $50,000 in forgivable DPA. Options for city-limits buyers the county grant excludes.

  • Charleston

    Charleston's Homeownership Initiative pairs City-sponsored homes with DPA for first-time buyers at 50%-120% AMI. How it works, plus state options.

  • Florence

    Florence buyers in North, Northwest and East Florence can get up to $20,000, or up to $30,000 on North Pointe homes. Both are funding-dependent. Rules inside.

  • Sumter

    Sumter's Affordable Homebuyer Program pairs City-built homes with a $3,000 grant and up to $35,000 forgivable gap loan. Income limits and options.

  • Aiken

    Aiken renovates homes in Crosland Park and sells them with DPA when funds allow. What to know, plus the state $10,000 DPA under Aiken County's limits.

  • Goose Creek

    City of Goose Creek employees, including police, can get up to $15,000 in forgivable DPA for a home in city limits. Plus Berkeley County's high state limits.

  • Bluffton

    Town of Bluffton employees, including police, can get up to $25,000 in forgivable DPA in ZIPs 29909 and 29910. Funds are limited. Plus county options.

Use the program match