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City of Greenville Employer Assisted Homebuyer Pilot Program

CommunityWorks Carolina (on behalf of the City of Greenville) · Greenville, South Carolina

Last verified
See what you qualify forOfficial program site →
Assistance

$10,000–$50,000

The maximum the program publishes — not an offer

Repayment

Forgivable

Forgiven after 5 years

What is City of Greenville Employer Assisted Homebuyer Pilot Program?

City of Greenville Employer Assisted Homebuyer Pilot Program is a forgivable loan for homebuyers in Greenville, South Carolina, administered by CommunityWorks Carolina (on behalf of the City of Greenville).

  • An employer-assisted housing (EAH) pilot program funded by the City of Greenville and administered by CommunityWorks Carolina, providing up to $50,000 (full-time) or $25,000 (permanent part-time) in down payment and/or closing-cost assistance to eligible City of Greenville employees buying a primary residence. Assistance is a 0% non-amortizing subordinate loan forgiven over five years, tiered by household income up to 150% AMI. Distinct from Greenville County's CommunityWorks-administered Homebuyer Assistance Program.
  • Up to $50,000 for full-time / $25,000 for part-time employees.
  • 0% interest, no monthly payments.
  • Forgiven over 5 years.
  • Usable for down payment and/or closing costs.
  • New or existing homes, including contiguous counties.
  • Available up to 150% AMI.
  • Funding comes from City of Greenville (employer-funded; administered by CommunityWorks Carolina). Pilot program.

How much assistance does it provide?

City of Greenville Employer Assisted Homebuyer Pilot Program offers between $10,000 and $50,000 in assistance.

  • Award tiers: Full-Time employees: up to $50,000 (<=80% AMI); $40,000 (>80-100% AMI); $30,000 (>100-120% AMI); $20,000 (>120-150% AMI). Permanent Part-Time: up to $25,000 (<=80% AMI); $20,000 (>80-100% AMI); $15,000 (>100-120% AMI); $10,000 (>120-150% AMI).
  • Buyer contribution: Buyer must invest a minimum of $500 into the home purchase at time of closing.
  • Amounts are the program's published maximums, not an offer — CommunityWorks Carolina (on behalf of the City of Greenville) determines any individual award.

Do you have to pay it back?

City of Greenville Employer Assisted Homebuyer Pilot Program is forgiven after 5 years, so a buyer who stays that long does not repay it.

  • Repayment is triggered by Repayment triggered if the employee leaves City of Greenville employment, the home ceases to be the borrower's principal residence, or the property is sold before the 5-year forgiveness term is complete.
  • The assistance is recorded in Subordinate (secured by promissory note and mortgage lien) position.
  • Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

City of Greenville Employer Assisted Homebuyer Pilot Program is open to first-time homebuyers and buyers who will live in the home as their primary residence.

The program requires

  • First-time homebuyer — with exceptions: Buyer must be a first-time homebuyer OR not have owned a home in the past 3 years.
  • The home is occupied as a primary residence
  • On credit: Not published; borrower must qualify for a 30-year fixed-rate first mortgage.
  • A completed homebuyer education course, through CommunityWorks Carolina homebuyer education workshop.
  • Residency: Must be a Full-Time or Permanent Part-Time City of Greenville employee, employed by the City for a minimum of 1 year and in good standing (non-probationary, 3.0+ annual review average, not on a PIP, no disciplinary suspensions within 12 months).
  • DRAFT (dpa-gap-finder 2026-06-12): pending review. Pilot program; subject to City of Greenville discretion and good-standing employment criteria (City of Greenville employees only). GAP NOTES: specific HUD AMI dollar figures by household size, funding cap, credit-score minimum, and manufactured-home eligibility not published on the public fact sheet.

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?

City of Greenville Employer Assisted Homebuyer Pilot Program sets its income limit as follows: Assistance is tiered by household income relative to the City of Greenville AMI: <=80%, >80-100%, >100-120%, >120-150% AMI. Eligibility extends up to 150% AMI. Specific dollar limits by household size set by CommunityWorks using HUD AMI figures, not published on the fact sheet.

  • The limit applies to total household income, not only the borrower&rsquo;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?

City of Greenville Employer Assisted Homebuyer Pilot Program can be used for Single Family.

  • New construction is eligible.

Is there eligibility for specific groups?

City of Greenville Employer Assisted Homebuyer Pilot Program is limited to employees of City of Greenville employees only.

  • Being named here means the program mentions the group, not that membership alone qualifies an applicant — the rest of the eligibility rules still apply.

Where does it apply?

City of Greenville Employer Assisted Homebuyer Pilot Program serves buyers purchasing in Greenville, South Carolina.

  • The program targets specific areas: Eligible properties limited to Greenville County and SC counties contiguous to Greenville (Abbeville, Anderson, Laurens, Pickens, Spartanburg).

How do you apply?

Applications for City of Greenville Employer Assisted Homebuyer Pilot Program go through CommunityWorks Carolina (on behalf of the City of Greenville), which publishes the current terms and the application steps on its own site.

  1. Take a homebuyer education course

    Required by the program, through CommunityWorks Carolina homebuyer education workshop..

  2. Contact CommunityWorks Carolina (on behalf of the City of Greenville) to reserve funds

    Funds are reserved through Lender completes the Lender Application Checklist; buyer applies through CommunityWorks. First-come basis., 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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