Your Path to Homeownership
First-Time Buyers Guide to Upstate SC
Everything you need to know about loan programs, credit requirements, and down payment assistance in South Carolina.
Loan Programs & Requirements
Know Your Options in SC
FHA Loans
The most popular option for first-time buyers, offering flexible credit requirements and low down payments.
- 580+ Minimum Credit Score
- 3.5% Minimum Down Payment
USDA & VA Loans
Incredible zero-down options. VA is for qualifying veterans, while USDA is for homes in designated rural areas.
- 600+ Minimum Credit Score
- $0 Down Payment Required
SC State Housing
State-sponsored programs offering forgivable down payment assistance to help you get into your home with less cash.
- 640+ Minimum Credit Score
- Down Payment Assistance available
Step-by-Step Guide
The Home Buying Process
1
1
Meet With A Real Estate Professional
2
2
Pre-Approval
Determining Your Budget
3
3
Search For Homes
The Fun Part!
4
4
Make An Offer
Price & Terms You Choose
5
5
Negotiation & Contract
You're On The Way!
6
6
Under Contract
Now What?
7
7
Final Details
Home Inspections, Appraisal, & Final Walkthrough
8
8
Closing Day
Congrats! You Are a Homeowner!
