CommunityWorks Town of Bluffton Employer Assisted Homebuyer Program

What is CommunityWorks Town of Bluffton Employer Assisted Homebuyer Program?

CommunityWorks Town of Bluffton Employer Assisted Homebuyer Program is a forgivable loan for homebuyers in Bluffton, South Carolina, administered by CommunityWorks Carolina.

• Town of Bluffton employees who are first-time homebuyers can receive up to $25,000 in down payment and/or closing cost assistance. Assistance is a 0% interest loan forgiven after 5 years if the employee remains employed with the Town. Assistance amounts are tiered by AMI, with up to $25,000 for those below 80% AMI. Property must be in Bluffton zip codes 29909 or 29910. Limited annual budget applies.
• Up to $25,000 forgivable DPA.
• 0% interest, no monthly payments.
• Forgiven after 5 years of employment.
• Can be used to buy down interest rate.
• Available to all income levels (tiered amounts).
• Funding comes from Town of Bluffton.

How much assistance does it provide?

CommunityWorks Town of Bluffton Employer Assisted Homebuyer Program offers up to $25,000 in assistance.

• The program asks buyers to contribute $1,000 minimum buyer contribution.
• Amounts are the program's published maximums, not an offer — CommunityWorks Carolina determines any individual award.

Do you have to pay it back?

CommunityWorks Town of Bluffton Employer Assisted Homebuyer Program is forgiven after 5 years, so a buyer who stays that long does not repay it.

• Repayment is triggered by Separation from Town of Bluffton employment before 5-year term.
• The assistance is recorded in 2nd position.
• Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

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

What are the income limits?

CommunityWorks Town of Bluffton Employer Assisted Homebuyer Program limits household income to 80% of the area median income, which varies by county and household size.

• Tiered: up to $25,000 at <80% AMI; $20,000 at 80-119% AMI; $15,000 at 120-139% AMI; $10,000 at 140%+ AMI. Uses Beaufort County AMI (2025 4-person 80% AMI = $88,100).
• 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?

CommunityWorks Town of Bluffton Employer Assisted Homebuyer Program can be used for Single Family.

• New construction is not eligible.
• Manufactured homes are not eligible.

Is there eligibility for specific groups?

CommunityWorks Town of Bluffton Employer Assisted Homebuyer Program is limited to employees of Town of Bluffton (past initial probationary period, in good standing).

• 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?

CommunityWorks Town of Bluffton Employer Assisted Homebuyer Program serves buyers purchasing in Bluffton, South Carolina.

• The program targets specific areas: Bluffton zip codes 29909 and 29910 only.

How do you apply?

Applications for CommunityWorks Town of Bluffton Employer Assisted Homebuyer Program go through CommunityWorks Carolina, which publishes the current terms and the application steps on its own site.

1. 1

   Take a homebuyer education course

   Required by the program, through Orientation/educational workshop (provider not specified).

2. 2

   Contact CommunityWorks Carolina to reserve funds

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

3. 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.