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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.


  • Living in overcrowded housing

  • Living in substandard housing

  • Paying more than 30% of gross income on rent

  • Does not own a home at time of application



  • Household willing to perform minimum of 250 Sweat Equity hours 

  • Have lived or worked in Kershaw County for the last year

  • Committed to a drug-free community and no serious criminal history

  • Completion of homebuyer education course

  • Completion of financial literacy course

  • Save for closing costs and other related expenses

  • Participate in Habitat for Humanity of Kershaw County events

  • Income: must be stable and fall between 30-60% of HUD Area Median Income 

  • Budget: Mortgage payments will be no more than 30% of the gross monthly income of the applicant(s).  

  • Delinquent Debt: All delinquent debt must be paid off before application approval.

  • Credit Score:  Habitat for Humanity of Kershaw County does not require a minimum credit score for approval.

  • No charge offs for the past 2 years.

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