South Carolina's Hardest Hit Program: S.C. HELP

With South Carolina's SC Help Program, homeowners struggling to make their mortgage payments due to a hardship such as unemployment or medical expenses can get monetary assistance.

In 2010, the U.S. Department of the Treasury created the Hardest Hit Fund to provide targeted aid to homeowners in those states most affected by the housing market crash. As part of this program, South Carolina initially received over $295 million to provide assistance to homeowners struggling to make their mortgage payments due to a hardship such as unemployment or medical expenses. Further funding was approved in 2016.

Read on to learn about the different types of help available through South Carolina’s Hardest Hit Fund program, called the South Carolina Homeownership and Employment Lending Program (SC HELP), and find out if you may be eligible for assistance. (To learn more about the Hardest Hit Fund and the various state programs funded by it, visit our  Hardest Hit Fund  topic page.)

South Carolina’s Hardest Hit Fund Program: SC HELP

SC HELP has four programs to assist responsible South Carolina homeowners who are having difficulty making their mortgage payments. You may qualify for more than one type of assistance under SC HELP, though the maximum amount of assistance available is limited to $36,000 per household. The programs are:

  • Monthly Payment Assistance, which assists eligible homeowners by making their monthly mortgage payments directly to the bank.
  • Direct Loan Assistance, which provides funds to bring the loan current if you’ve fallen behind on your mortgage payments. (For some homeowners, Monthly Payment Assistance may also be available in addition to Direct Loan Assistance.)
  • Transition Assistance, which provides a $5,000 grant to homeowners who are completing a short sale or deed in lieu of foreclosure to pay the expenses associated with moving to a rental property. (See our  Short Sales and Deeds in Lieu of Foreclosure area  for more information on these topics.)
  • Modification/Recast Assistance, which provides a one-time payment to help homeowners qualify for a modification or recast (re-amortization) of a first mortgage. (Any amounts that are past-due on the first mortgage are reinstated under this program.)

How SC HELP Works

Mortgage Payment Assistance and Direct Loan Assistance is provided in the form of a 0% interest, non-amortizing forgivable loan secured by a junior lien that is recorded against the property. So long as you continue to reside in the home, the loan is completely forgiven after five or ten years and the lien will then be released. If you sell the home before the end of five years, you’ll need to repay the outstanding balance from the net proceeds.

Transition assistance is paid directly to the homeowner as a one-time grant.


To be eligible for SC HELP assistance, you must meet all of the below criteria.

  • You are having trouble paying your mortgage due to unemployment, underemployment, loss or drastic reduction of self-employment income, catastrophic health related expenses, divorce, or death of a spouse.
  • The home is your full-time, primary residence.
  • The original loan amount is not more than $729,750.

Mobile or manufactured homes are eligible for assistance, however the loan on the property must be secured by a mortgage against the home and the property it sits on. (Learn more about  what happens if you are struggling to pay your mobile home loan.)

You do not have to be behind on your mortgage payments to qualify for assistance under the SC HELP program. This means that even if you have not missed a single payment, you may be able to receive help.

On the flip side, if you have received a foreclosure notice or served with foreclosure papers, you may be able to qualify for SC HELP as well. You should apply as soon as possible so there is sufficient time for your application to be evaluated. (Learn more about the  South Carolina foreclosure process.)

Program Exclusion

You are not eligible for assistance from the SC HELP program if you have filed bankruptcy and the bankruptcy is active. If you previously filed bankruptcy and it was dismissed or discharged, then you are eligible to apply for the program.

Servicer Participation

Servicer participation in the SC HELP program is voluntary. (A mortgage servicer is the company that collects monthly mortgage payments from borrowers on behalf of the owner of the loan, as well as tracks account balances, manages the escrow account, handles loss mitigation applications, and pursues foreclosure in the case of defaulted loans.)

While many servicers have signed on to participate in the program, there are certain servicers that have refused to agree to receive funds through the program. For a list of non-participating servicers, go to  and go to “Am I Eligible?” and click on “Non-Participating Servicers and Lenders.”

How to Apply

Go to  and click on the “Am I Eligible” button to fill out an initial eligibility questionnaire. If you are deemed eligible based on your responses, you can then apply right away. You can also call 855-435-7472.

Beware of SC HELP Scams

The SC HELP program is free and you should not pay for any services associated with applying for assistance. Do not pay any company that promises to expedite your application or guarantees approval.

For More Information

If you would like more information about SC HELP or have questions about submitting an application, call 855-435-7472. You can also complete the contact form at

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