South Carolina Down Payment Assistance Eligibility (2026)
South Carolina's requirements are a 640 credit score, income under SC Housing's limit for your county, and a primary residence. Here is what qualifies you, and how the programs differ on first-time status.
Who qualifies for South Carolina down payment assistance
The core gates are a 640 credit score, income under SC Housing’s limit for your county, and a home you will live in as your primary residence, not a vacation or investment property. SC Housing sets income and sales-price limits county by county, with a targeted / non-targeted map that can raise limits in certain areas, and they change, so we confirm your figures before you shop. Homebuyer education is required. The assistance pairs with an FHA, VA, USDA, or conventional first mortgage.
First-time vs. repeat buyers
This is where the two programs differ. The SC Housing Homebuyer Program is generally for first-time buyers, though the first-time rule is waived in targeted counties. Palmetto Home Advantage is more flexible and can serve repeat buyers, and it often allows higher income limits. So if you have owned a home before, you are not shut out, you use Palmetto Home Advantage. First-generation buyers may add the First-Generation help on top.
Limits vary by county
SC Housing’s income and price limits are set by county, with a targeted / non-targeted map, and they change periodically. Because the numbers move and vary, the reliable step is to check your specific county against the current SC Housing figures rather than rely on a general number. We do that up front. See the program overview for the full picture.
Common questions
What credit score do I need for South Carolina down payment assistance?
SC Housing requires a 640 minimum credit score. You also need income under the limit for your county and a home that will be your primary residence.
What are the income limits for South Carolina down payment assistance?
SC Housing sets income and sales-price limits by county, with a targeted / non-targeted map, and they change. Palmetto Home Advantage often allows higher limits than the Homebuyer Program. Check your county's current figures at SC Housing.
Can repeat buyers qualify for SC Housing?
Yes, through Palmetto Home Advantage, which serves repeat buyers as well as first-time buyers. The SC Housing Homebuyer Program is generally first-time (waived in targeted counties).
Ready to see your options?
Tell us your county, credit range, and price target, and we’ll map your South Carolina path in a no-pressure 20-minute call. No obligation.