Many buyers assume down payment assistance isn’t for them — and never even ask.
In reality, I see buyers qualify every year who almost talked themselves out of homeownership because of misinformation.
Let’s clear up the most common myths.
Myth #1: “I Make Too Much to Qualify”
Income limits are based on household size and location, not a flat number. Many middle-income buyers are surprised they qualify for programs through SC Housing.
Myth #2: “It’s Only for First-Time Buyers”
Some programs allow repeat buyers — especially if you haven’t owned recently or meet other criteria.
Myth #3: “Down Payment Assistance Makes My Offer Weaker”
When structured correctly with a strong lender and clean terms, sellers often don’t even notice the difference.
Myth #4: “I’ll Figure It Out After I Find a Home”
This is the biggest mistake. Assistance programs are time-sensitive, and waiting can mean missing out entirely.
You don’t lose anything by asking questions — but you can lose opportunities by waiting.
Let’s find out what options might be available before you rule anything out.
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