I would agree with the other agents that suggested talking with the local police department. On another note, I noticed you said you are a school teacher. SC State Housing has a program now called Palmetto Hero Program that can really help with a down payment. In some instances if the criteria is met, they allow $5000 assistance that does not have to be paid back for teachers, Police Officers, EMS, Correctional Officers and Fire Fighters. Hope this information is helpful!!!
Coldwell Banker United Realtors