{"status":200,"message":"Success","data":{"id":"39c6b579-4bd8-58c4-83e9-4f91ec10c77b","title":"Palmetto Home Advantage","identifiers":{"systemId":{"registry":{"code":"opp:opengrants:system","url":"https://opengrants.io/common-grants/registries/opp-opengrants-system.json"},"id":"f229d47a-a75c-45c5-a713-5698621ea738"},"otherIds":{"opp:opengrants:program":{"registry":{"code":"opp:opengrants:program","url":"https://opengrants.io/common-grants/registries/opp-opengrants-program.json"},"id":"sc:housing-palmetto-home-advantage"}}},"status":{"value":"custom","customValue":"Confirm with agency","description":"Varies — check official page"},"description":"Palmetto Home Advantage is SC Housing's non-bond 30-year fixed-rate mortgage, offered in conventional, FHA, VA and USDA versions in all 46 counties with no first-time buyer requirement and no sales price limits. Borrowers may receive forgivable down payment assistance of 0%, 3% or 4% of the loan amount with no monthly payment.","funding":{"details":"Forgivable down payment assistance of 0%, 3% or 4% of the loan amount"},"funders":{"primary":{"id":"77708429-3dce-5ef4-82a4-58b4f87d4226","name":"South Carolina State Housing Finance and Development Authority","identifiers":{"otherIds":{"org:opengrants:funder":{"registry":{"code":"org:opengrants:funder","url":"https://opengrants.io/common-grants/registries/org-opengrants-funder.json"},"id":"6d2acd54-08c8-415f-a0e3-0b050a0b6460","allIds":[{"id":"6d2acd54-08c8-415f-a0e3-0b050a0b6460","status":"active"}]},"org:us:sc:agency":{"registry":{"code":"org:us:sc:agency","url":"https://opengrants.io/common-grants/registries/org-us-sc-agency.json"},"id":"SC Housing"}}}}},"keyDates":{"otherDates":{"cycle":{"name":"Application cycle","eventType":"other","details":"Ongoing through approved lending partners."}}},"acceptedApplicantTypes":[{"value":"individual","description":"Individual"}],"source":"https://schousing.sc.gov/homebuyers/programs-homebuyers/palmetto-home-advantage","customFields":{"contactInfo":{"name":"contactInfo","fieldType":"object","value":{"name":"SC Housing homeownership","email":"mortgage.production@schousing.com","phone":"803.896.2211"},"description":"Program contact","schema":"https://commongrants.org/custom-fields/contactInfo"},"eligibilityCriteria":{"name":"eligibilityCriteria","fieldType":"object","value":{"details":"Borrowers with income up to $135,750 (not household-size based) and a credit score of at least 640, meeting insurer guidelines. First-time, move-up and repeat buyers with borrower income up to $135,750 and a 640 minimum credit score."},"description":"Who is eligible, in the funder's words","schema":"https://commongrants.org/custom-fields/eligibilityCriteria"},"additionalInfo":{"name":"additionalInfo","fieldType":"object","value":{"url":"https://schousing.sc.gov/development","description":"South Carolina State Housing Finance and Development Authority grants page"},"description":"Where the agency publishes its programs","schema":"https://commongrants.org/custom-fields/additionalInfo"},"fundingInstrument":{"name":"fundingInstrument","fieldType":"string","value":"loan","description":"grant, loan, grant+loan, tax credit, rebate, in-kind or other","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"lastSyncedAt":{"name":"lastSyncedAt","fieldType":"string","value":"2026-11-04T07:03:43Z","description":"When the OpenGrants record data behind this opportunity was last refreshed (UTC)","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"stateCode":{"name":"stateCode","fieldType":"string","value":"SC","description":"USPS code of the state whose agency offers this funding","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"agencyKey":{"name":"agencyKey","fieldType":"string","value":"housing","description":"Portal key of the administering agency","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"agencyAbbrev":{"name":"agencyAbbrev","fieldType":"string","value":"SC Housing","description":"Administering agency abbreviation","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"agencyUrl":{"name":"agencyUrl","fieldType":"string","value":"https://schousing.sc.gov/","description":"Administering agency website","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"categories":{"name":"categories","fieldType":"array","value":["Housing, Community and Economic Development"],"description":"Portal categories","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"applicantTypes":{"name":"applicantTypes","fieldType":"array","value":["Individual"],"description":"Portal applicant types","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"applicantTypesNotes":{"name":"applicantTypesNotes","fieldType":"string","value":"First-time, move-up and repeat buyers with borrower income up to $135,750 and a 640 minimum credit score.","description":"Notes on who may apply","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"purpose":{"name":"purpose","fieldType":"string","value":"Non-bond fixed-rate mortgages for moderate-income buyers with optional forgivable down payment assistance.","description":"One-line purpose","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"geography":{"name":"geography","fieldType":"string","value":"Statewide","description":"Geographic limits within the state","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"estimatedAmounts":{"name":"estimatedAmounts","fieldType":"string","value":"Forgivable down payment assistance of 0%, 3% or 4% of the loan amount","description":"Estimated award amounts, as published","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"howToApply":{"name":"howToApply","fieldType":"string","value":"Direct application: through an SC Housing approved lending partner.","description":"How to apply","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"cycle":{"name":"cycle","fieldType":"string","value":"Ongoing through approved lending partners.","description":"Application cycle pattern","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"nextDeadlineDisplay":{"name":"nextDeadlineDisplay","fieldType":"string","value":"Varies — check official page","description":"What the portal shows as the next deadline","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"deadlineSource":{"name":"deadlineSource","fieldType":"string","value":"record-live","description":"editorial, record or cycle","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"stringsAttached":{"name":"stringsAttached","fieldType":"string","value":"Requires a 640 minimum credit score and follows insurer guidelines; the assistance is a forgivable second loan, not a gift.","description":"The catch: match, reporting, restrictions","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"programSlug":{"name":"programSlug","fieldType":"string","value":"housing-palmetto-home-advantage","description":"Stable program slug within the portal","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"programUrl":{"name":"programUrl","fieldType":"string","value":"https://opengrants.io/grants-in-south-carolina/#p-housing-palmetto-home-advantage","description":"Program card on the portal page","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"opengrantsListingUrl":{"name":"opengrantsListingUrl","fieldType":"string","value":"https://schousing.sc.gov/homebuyers/programs-homebuyers/palmetto-home-advantage","description":"Listing URL on the bound OpenGrants record","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"bindingMode":{"name":"bindingMode","fieldType":"string","value":"record","description":"record, upstream, pending-import or none","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"verifiedOn":{"name":"verifiedOn","fieldType":"string","value":"2026-11-03","description":"Date the official page was last checked","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"cardStatus":{"name":"cardStatus","fieldType":"string","value":"published","description":"published, needs_review or retired","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"}},"createdAt":"2026-11-04T05:37:50.65791+00:00","lastModifiedAt":"2026-11-08T00:50:51Z","competitions":[],"awards":[]}}