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HOMEOWNERSHIP PROGRAM

Kershaw County Habitat for Humanity (KCHFH) constructs safe, stable homes in partnership with low- to moderate-income families who are unable to qualify for a conventional mortgage. KCHFH provides a hand up – not a handout – to local families.
Our partner families contribute sweat equity hours assisting in the ReStore and in the construction of homes for other families before ultimately helping to build their own home. Additionally, partner families participate in financial education classes to prepare them for homeownership. In return, they receive an affordable home mortgage. The purchase price is substantially below market value thanks to volunteers who donate their time assisting in the building of the home, thus providing a portion of the labor at no cost to the homeowner. Monthly mortgage payments are used to help build future Habitat homes.

How to Become a homeowner

Mandatory Zoom Calls

will be held on September 12th & 19th

sign up for a meeting @

https://www.signupgenius.com/go/10C0849A8A62FA2FECE9-howtobecome

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          Interested persons must attend a zoom meeting to receive an application!

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Habitat for Humanity of Kershaw County builds simple, decent, and affordable homes – for qualified, low-income families in need.

Habitat for Humanity build homes in partnership with qualifying families, using mostly donated labor. Habitat then sells the home at low interest, making them affordable for many low-income families. The monthly payments that are made go toward the building and renovating of other Habitat homes.

Partner families must commit to 250 “sweat equity” hours per adult. These are hours they work on the construction of their home, working in the Habitat ReStore, on other Habitat projects and study hours in educational classes.

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  Habitat Program Requirements:

  • Residency: Kershaw County resident (minimum of 1 year)

  • U.S. Citizen or legal resident

  • Currently living in a situation that is unstable, unsafe, or overcrowded

  • Habitat will run a criminal records check

  • Ability to Pay: Applicants must have reliable income to make monthly mortgage payment.

  • Habitat will obtain a credit check on each applicant

  • Applicants must meet income guidelines for 2023

 

 

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       Household Size    Minimum Income    Maximum Income
                1                         $23,850                    $28,620
                2                        $27,250                    $32,700
                3                        $30,650                    $36,780
                4                        $34,050                    $40,860
                5                        $36,800                    $44,160
                6                        $39,500                    $47,400
                7                        $42,250                    $50,700
                8                       $44,950                     $53,940

 

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  1. Willingness to Partner:

    • Each household member 18 years or older must complete 250 hours of sweat equity

    • Applicants must be willing to attend training sessions

     IMPORTANT

    A $50.00 application fee is required when application is submitted

 

Habitat Administrative Office

 phone 803.432.4333 

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