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South Carolina
First Time Home Buyer Grants

Hunting for South Carolina first time home buyer grants to purchase a house? Find cool grants/programs for home buying in South Carolina and other home mortgage grants below.

Are you considering the purchase of a home in South Carolina? Purchasing a home in any state is an exciting prospect!

Exciting and sometimes daunting! However, don't let yourself become overwhelmed with the process.

I plan you give you some awesome information to help you meet this lovely purchase.

South Carolina First Time Home Buyer Grants

South Carolina Grants or Programs for Home Buying

To begin with, the State of South Carolina does not offer a first time home buyer grant program for its residents. But it does have assistance that can become a grant! This is awesome because not all states have programs like this.

The state agency which maintains this program for South Carolina is South Carolina Housing Finance and Development Authority. 

Applicants can obtain a Down Payment Assistance Loan in an amount up to $6,000. It is a zero percent loan with no monthly payments. They have two types, a 10 year or a 20 year program. If you live in your home for the time period required, the loan may be completely forgiven. Basically, this loan becomes a grant. Isn't that cool!

Additionally, there is a "Mortgage Tax Credit Certificate" you can qualify for that allows you to take a portion of the annual interest you paid for your loan as a tax credit. This credit can be up to $2,000. Wouldn't you think that is worth checking out? Sure thing! It is always better to put more money back into your own pocket.

All these programs have limitations and requirements you have to review to see if they are something you would be interested in pursuing. So do your homework.

You should visit this website to determine your eligibility.

Federal Home Mortgage Grants

In addition, the federal government offers grant assistance for first time home buyers in South Carolina. This program is maintained by the United States Department of Housing and Urban Development and is called the Homes and Communities program. Their website contains useful information and applications.

The website for the grant program maintained by the United States Department of Housing and Urban Development can be visited by using this link, HUD Grant Information.

Additional Home Buying Grants

Another website I would recommend that you view is Visit the Government Grants. This website offers a list of all federal government grant programs. It would be a good idea to take some time and browse through this site to see what it offers and the qualifications for application.

Unfortunately, these programs take time to process. Which require a lot of patience for both you and the seller. So select a real estate agent familiar so they can help.

Also find a lender who is compatible with these various programs. The best one for that is the FHA loan product I mentioned above.

Additionally, start a savings program. If you don't need the money at closing.....great! Now you have money to buy some needed items for the new home.

If you need help estimating your mortgage closing costs, check out this FREE closing costs calculator by clicking here.

Perhaps a grant is not available in your state. Or you do not qualify for one. Don't get discouraged. If you still want to save money, check out this page that discusses the zero down payment program.

Otherwise, you may want to look at programs that have low down payment requirements

Would you like to know what type of loans are available? Visit our Home Mortgage Information page for tons of information on all kinds of loans. Learn about FHA, VA, and various other types of options.

So have you found a home? Are you thinking about getting qualified for a mortgage? Maybe you want to visit our page on how to qualify for a mortgage.

Would you like some help? Perhaps a personal coach to guide you through the process is what you're looking for. For free coaching, fill out the questionnaire here. Then you will be contacted and offered the assistance you seek.

South Carolina First Time Home Buyer Grants Support

Thank you for visiting our website for first time home buyers. Below you'll find more information to help you with grants for housing.

Click here for additional information on South Carolina First Time Home Buyer Grants.

This link will take you to the HUD website and you will see a map of the USA. Click on your state and then you'll find a list of the local counseling agencies in your own area.

Please tell others about this FREE information. Everybody else on the web charges for this kind of stuff!!

Happy House Hunting!!


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