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Aiken County Habitat for Humanity Homeowner Program

Aiken County Habitat for Humanity · Aiken, South Carolina

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Income limit

60% AMI

Of area median income; varies by county and household size

What is Aiken County Habitat for Humanity Homeowner Program?

Aiken County Habitat for Humanity Homeowner Program is down payment assistance for homebuyers in Aiken, South Carolina, administered by Aiken County Habitat for Humanity.

  • Aiken County Habitat for Humanity's Homeowner Program partners with individuals and families who have lived or worked in Aiken County for at least one year to achieve affordable homeownership. Qualified buyers purchase a Habitat-built home with an affordable mortgage and must complete sweat-equity hours, save a required down payment, and attend financial counseling. Applicants are selected on need, ability to pay, and willingness to partner.
  • Affordable 0% Habitat mortgage for a newly built home.
  • Required homebuyer financial counseling.
  • Builds equity through homeownership.
  • Sweat-equity partnership model.

Do you have to pay it back?

Aiken County Habitat for Humanity Homeowner Program is down payment assistance and is repaid under the terms set by Aiken County Habitat for Humanity.

  • Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

Aiken County Habitat for Humanity Homeowner Program is open to buyers who will live in the home as their primary residence.

The program requires

  • The home is occupied as a primary residence
  • A completed homebuyer education course, through Aiken County Habitat for Humanity (required financial counseling sessions)
  • Residency: Must have lived OR worked in the Aiken County service area for at least the past 12 months
  • DRAFT (dpa-gap-finder 2026-06-15): pending review. Program ACTIVE; application opens July 29, 2026 with mandatory orientation meetings (Jul 29-30, 2026, Aiken Senior Life Services). Both applicant and co-applicant must attend. Eligibility: need for adequate housing, ability to pay, willingness to partner; lived/worked in Aiken County 12+ months; income 30-60% HUD AMI. Program Director Ron Patterson (803) 642-9292 opt #2, ron@habitataiken.org. Equal Opportunity Housing Agency. Not confirmed (blank): assistance amount, lien position, mortgage term, min credit score, citizenship requirement, funding source, recapture provision, income-limit dollar table.

The program excludes

  • Households above 60% of area median income

These are the program's own published rules, not a decision about any individual — the administering agency and a lender determine who actually qualifies.

What are the income limits?

Aiken County Habitat for Humanity Homeowner Program limits household income to 60% of the area median income, which varies by county and household size.

  • Total household income must fall between 30% and 60% of HUD Area Median Income for Aiken County by household size. Household income = all funds legally received on a regular schedule by all members. Dollar limits by size determined via the HUD User Income Limits Documentation System (not published as a table on the affiliate site).
  • The limit applies to total household income, not only the borrower’s.
  • Area median income figures are published by HUD and updated annually, so check the current table for the county before relying on a number.

What kind of home can it be used for?

Aiken County Habitat for Humanity Homeowner Program can be used for Single Family.

  • New construction is eligible.

Where does it apply?

Aiken County Habitat for Humanity Homeowner Program serves buyers purchasing in Aiken, South Carolina.

How do you apply?

Applications for Aiken County Habitat for Humanity Homeowner Program go through Aiken County Habitat for Humanity, which publishes the current terms and the application steps on its own site.

  1. Take a homebuyer education course

    Required by the program, through Aiken County Habitat for Humanity (required financial counseling sessions).

  2. Contact Aiken County Habitat for Humanity to reserve funds

    Funds are reserved with the provider and are subject to availability.

  3. Work with a lender who handles the program

    Hey Prescott is not a lender and does not accept applications; this page describes the program so a buyer can take it to a lender or housing counselor.

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