Opportunity Advantage

The Opportunity Advantage Loan Fund

Our commitment to supporting the communities we serve and helping you achieve the dream of homeownership.

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Opportunity Advantage Loan Fund

The SouthState Bank Opportunity Advantage Loan Fund is an initiative aimed at helping potential homebuyers overcome the financial barriers associated with purchasing a primary home.

The provided funding1 will assist with down payments, closing costs, and other fees, making the home buying process more accessible to individuals and families. The loan fund is a testament to our commitment to supporting the communities we serve and helping you achieve the dream of homeownership.
Loan Fund Features

Loan Fund Features

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  • Up to $12,500 to use toward your down payment, closing costs, or other fees associated with the purchase of a primary home
  • Loan is forgivable with no repayment and 0% interest rate if you own the home for at least five years2
  • Must qualify for and be combined with a Buyer's Advantage, Community Advantage, HomeReady® or Home Possible® mortgage.
Loan Fund Eligibility

Loan Fund Eligibility

  • Income limitations apply3
  • Must be used on the purchase of your primary residence
Contact a SouthState Mortgage Banker to learn more and get started today.
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  • All loans are subject to credit approval and program guidelines. Each year a portion of the loan is forgiven, a 1099-C will be issued by SouthState for 1/5 of the forgivable loan amount. The loan funds may be considered taxable income. Consult your tax advisor.
  1. Funds subject to availability.
  2. If prior to the fifth anniversary of the Note, all or any part of the Property or an interest therein is sold or transferred by Borrower to any person or entity without Lender's prior written consent, it shall be an event of default ("Event of Default"), Lender may, upon an Event of Default, at Lender's option, declare all the unforgiven, outstanding sums due under the Note and secured by the Security Instrument to be immediately due and payable.
  3. Applicant income must be 80% or less of the county area median income (AMI) adjusted for family size.

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