Buying a home in South Carolina starts with mortgage pre-approval, followed by home searches in Columbia, Lexington, or Irmo. Your real estate agent helps draft offers, negotiate, and coordinate inspections and closing. Working with a Columbia SC Realtor® ensures compliance with state laws and a smooth experience.

Most South Carolina homebuyers put down 3–20% depending on loan type. First-time buyers may qualify for USDA or FHA loans with low down payments. Expect additional costs such as closing fees, inspection fees, and homeowners insurance. Your realtor and lender can estimate total home purchase costs in the Midlands area before you make an offer.

On average, it takes 30 to 45 days to close once your offer is accepted. Factors include loan processing, appraisal turnaround, and inspection scheduling. Local lenders and closing attorneys familiar with Richland and Lexington County timelines can often speed up the process. A proactive real estate agent in Columbia SC helps keep the transaction on track.

In South Carolina, sellers typically cover agent commissions (usually 5–6%) and may contribute part of the buyer’s closing costs. Buyers handle loan fees, inspection, and title costs. Sellers should also budget for minor repairs, staging, and professional photography to make their home stand out in the Columbia real estate market.

Technically, no—but working with a licensed REALTOR® in Columbia SC provides market insight, negotiation skill, and legal protection. Agents handle contracts, disclosures, and deadlines, ensuring your transaction complies with South Carolina real estate law. Most successful buyers and sellers in the Midlands work with a trusted local professional to avoid costly mistakes.

South Carolina law requires sellers to provide a Residential Property Condition Disclosure Statement detailing known defects. Common inspections include home, termite, and HVAC. Many Midlands buyers also request foundation and roof checks, especially in older Columbia neighborhoods. Full transparency protects both parties and speeds up closing.

Yes. The Columbia and Lexington SC housing markets remain competitive, with strong demand for move-in-ready homes and properties near good schools. Neighborhoods like Forest Acres, Lake Murray, and Northeast Columbia are especially sought after. Understanding local trends—such as average days on market or price-per-square-foot—helps you make smarter buying or selling decisions.