Your local starting points
Local records, clearer questions
Prepare your property research in South Carolina
A South Carolina purchase or refinance comparison should account for the home, intended occupancy and full ownership budget. Include insurance estimates, association costs and unresolved repairs alongside the loan payment. The city guides below help identify local records and approvals that may affect those assumptions. SC Housing publishes several program resources with different rules. Use the current guide for the exact program and confirm participation with an approved lender. This guide does not establish that TMP offers an SC Housing program or that a borrower or property qualifies.
Match assistance to the current program
The August 2026 SC Housing Homebuyer BOND guide describes a purchase-only program and a forgivable assistance second mortgage. It distinguishes eligibility by county and includes homebuyer education requirements. Ask an approved lender to review the applicable program and current limits rather than relying on an older brochure or a different SC Housing product.
Include assistance in future refinance planning
For the BOND assistance described in that guide, sale, refinance or loss of primary-residence status before maturity triggers full repayment, and subordination is not permitted. Bring the actual assistance note into any refinance review. Ask the agency to confirm your loan’s terms before estimating the funds or new balance required.
Use the research in your loan comparison
Bring the address, unresolved property questions, inspection findings and recurring costs into the discussion. For a purchase, add the price, cash available and contract dates. For a refinance, include current loan statements and any additional financing or assistance. Ask for a comparison that shows costs, new balance and repayment period as well as the monthly payment.
South Carolina research and mortgage questions
Can I assume every SC Housing assistance program has the same refinance rules?
No. Identify the exact program and note. The current BOND guide gives specific repayment and subordination rules, while SC Housing lists other programs separately. Obtain a case-specific answer before treating assistance as forgiven or available to remain behind a new mortgage.
What if records disagree with the home I toured?
Keep copies and note the specific discrepancy. Ask the responsible office, your agent or closing professional to clarify it, and tell your advisor if it affects the property description, condition or intended use. Do not assume a missing entry or informal explanation resolves it.