About the Program

RESERVATIONS WILL BE ACCEPTED STARTING MONDAY MARCH 16, 2026

SC Housing honors those who serve, protect and strengthen our communities every day. Now we’re here to support your path to homeownership.

•    Special FHA, VA, USDA or Conventional financing options available when meeting First-Time Homebuyer Requirements
•    Signed Sales contract required when reserving funds
•    Rates may change and funding is limited – act quickly

Connect with a participating lender or real estate professional today.

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Palmetto Home Advantage Mortgage

Palmetto Home Advantage offers Conventional, FHA, VA and USDA loan options for first-time, move-up and repeat buyers with no first-time home buyer requirements for new and existing homes across all 46 counties in South Carolina. All program options require a minimum 640 credit score, have no sales price limits and follow all applicable insurer guidelines with a borrower income limit of $135,750.   This income is not based on total household income and is not dependent on family size.  

The program offers forgivable down payment assistance of 0%, 3%, or 4% of the loan amount with no monthly payment.  

Conventional financing options up to 97% Loan to Value on one-unit properties and up to 95% Loan to Value on two – unit properties with no sales price limits and follows all applicable insurer guidelines for Fannie Mae's HFA Preferred and Freddie Mac's HFA Advantage programs.

For additional information and to see if you qualify, contact one of the approved lending partners.

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Explore Communities Across South Carolina

You've learned about the program. Now explore communities across South Carolina to find the place that best fits your lifestyle and priorities.

Explore:

• LookyLOO Reviews of South Carolina Cities
• Neighborhood Guides
• Local Reviews
• Schools
• Lifestyle
• Save South Carolina Cities to your Movebook

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