What you need to know about buying a home in the Lowcountry
Here’s a simple breakdown of how the process works—so you can feel confident every step of the way.
Work With a Local Lender Who Knows SC Rules
Your choice of lender matters more than you think. In South Carolina, it's best to work with a local lender or one who is well-versed in SC lending requirements. They’ll help ensure your financing aligns with the timeline and structure of local contracts, avoiding unnecessary delays.
Understand the SC Standard Contract and Attorney Role
South Carolina uses a standard contract of sale for real estate transactions. That means your real estate agent will handle the offer and negotiation—not your attorney.
However, you will still need an attorney to complete the purchase. They’ll perform a title search, coordinate with the lender, and ensure the closing goes smoothly. At Lauren Zurilla & Associates, we stay closely involved throughout the process and remain your main point of contact.
Know the Timeline: 30 to 45 Days to Close
Most homes close 30 to 45 days after an accepted offer. While extended closings can be negotiated, they aren't the norm in the Lowcountry. It’s important to be ready with your financing and paperwork early on.
Get Familiar With Due Diligence in South Carolina
South Carolina uses a Due Diligence period to handle inspections and negotiate repairs. Here’s how it works:
The Due Diligence period is a negotiated window to inspect the home and request repairs or credits.
You can cancel the contract during this time for any reason, by paying the agreed-upon termination fee.
If no agreement is reached and you don't cancel, the contract becomes an AS IS agreement, and the seller isn't obligated to make repairs.
This clause gives buyers flexibility, but it’s crucial to understand the timelines and responsibilities.
Plan for Required Inspections and Insurance
In addition to your home inspection, you'll want to budget for your:
CL100 Inspection: A wood infestation report is required for most home sales and must be completed within 30 days of closing.
Homeowners Insurance: Bind your insurance policy early—especially during hurricane season (June to November). Insurance providers won't issue new policies when a named storm is near, which could delay your closing.
Final Thoughts
Buying a home in the Lowcountry is exciting, but it does come with its own rules and expectations. Working with an experienced local team helps you navigate it all with confidence—from neighborhood knowledge through contract negotiations and closing.
If you’re ready to find your next home in Charleston or the surrounding area, we’re here to guide you every step of the way.
Let's Talk About Your Home Search
Schedule a call with Lauren Zurilla & Associates, REALTORS®, and get personalized support for your next move. Visit our Contact page to get started: https://laurenzurilla.com/contact-us/
Warmly,
Lauren, Tina and Gigi | Lauren Zurilla & Associates