SC Housing Heroes Program

SC State Housing Finance and Development Authority

Available Down Payment

About This Program

Down payment assistance for qualifying heroes including teachers, law enforcement, firefighters, EMS, healthcare workers, active military, and veterans purchasing a home in South Carolina. Offered as a 0% deferred second mortgage, forgiven after 5 years. Must be combined with SC Housing first mortgage loan.

Deferred second mortgage forgiven after 5 years of owner-occupancy

Official program page checked live on 2026-06-17.

Data last verified 2026-06-09. How we verify our data.

Key Details

  • Down payment assistance up to $7,500
  • For teachers, first responders, healthcare workers, military/veterans
  • 0% deferred second mortgage, forgiven after 5 years
  • Must use SC Housing first mortgage
  • Income limits apply (moderate income)

How to Apply

Get free help applying Visit Official Program Page Track this program

(803) 896-9001

A grant-savvy contractor in North Augusta, SC can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

Your application paperwork

Documents you will likely need

  • Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
  • A government-issued photo ID for every owner on title.
  • Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
  • Proof of military service (DD-214) and, for disability-based grants, your VA disability rating letter.
  • The program's own application form, completed (use the official link or phone number on this page).
Download this checklist (PDF)

Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.

Deadline: Ongoing program

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