Population
15000
First-Time Homebuyer Programs in Ladson, SC (2026)
Ladson is a fast-growing community on the Berkeley-Dorchester county line, offering affordable housing and convenient access to both Charleston and Summerville. First-time homebuyers in Ladson have access to several down payment assistance programs.
Median Home Price
265000
Estimated Closing Costs
6500
Charleston County Programs
| Program Name | Type | Amount | Min Credit Score | First-Time Buyer Required? |
|---|
South Carolina State Programs
| Program Name | Type | Amount | Min Credit Score | First-Time Buyer Required? |
|---|---|---|---|---|
| SC Housing Homebuyer Program | Forgivable Loan | $10,000 | 620 | Yes |
| Palmetto Heroes Program | Forgivable Loan | $10,000 | 640 | Yes |
| SC Housing Mortgage Credit Certificate (MCC) | Tax Credit | Up to $2,000 federal tax credit per year | 640 | Yes |
| Palmetto Home Advantage | Forgivable Loan | Up to 5% of loan amount (3%, 4%, or 5% options) | 640 | No |
Federal Programs
| Program Name | Type | Amount | Min Credit Score | First-Time Buyer Required? |
|---|---|---|---|---|
| FHA Loan Program | Government-Insured Mortgage | $0 down payment assistance (3.5% minimum down payment required) | 580 | No |
| VA Home Loan Program | Government-Guaranteed Mortgage | $0 down payment required | None stated | No |
| USDA Rural Development Loan | Government-Guaranteed Mortgage | $0 down payment required | None stated | No |
Nonprofit Programs
| Program Name | Type | Amount | Min Credit Score | First-Time Buyer Required? |
|---|
How to Apply
To apply for down payment assistance in Ladson, contact Paul Thompson at Paul@venturehomelending.com or Paul@Pluffmudrealty.com to get pre-qualified and identify the best program for your situation.
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