Your real South Carolina affordability, the SC Housing Palmetto Home Advantage DPA match, and a step-by-step plan — in 30 seconds. No email required.
Calculate your South Carolina number — free →The SC Housing Palmetto Home Advantage DPA is South Carolina's flagship statewide down payment assistance, administered by the state housing finance agency (forgivable down payment assistance). Current amounts, income limits and credit requirements are set by the agency — confirm them on the official program page. Cities and counties in South Carolina often add their own programs on top.
Official South Carolina program page →South Carolina's main statewide option is the SC Housing Palmetto Home Advantage DPA — forgivable down payment assistance administered by the state housing finance agency. Many cities and counties in South Carolina add their own programs on top, so it is worth checking all three levels.
It depends on your income, debts and credit. The calculator applies the FHA 31%/43% debt-to-income rule to estimate your price, then shows how much of your down-payment gap South Carolina assistance could cover. Most buyers pair it with a 3% conventional or 3.5% FHA down payment.
Many state programs set a 620 minimum credit score alongside income limits based on area median income. Exact requirements are set by the agency — verify current terms on the official SC Housing Palmetto Home Advantage DPA page before applying.