hey prescott.
See what you qualify for

Habitat for Humanity of Anderson County Homeownership Program

Habitat for Humanity of Anderson County · Anderson, South Carolina

Last verified
See what you qualify forOfficial program site →
Income limit

60% AMI

Of area median income; varies by county and household size

What is Habitat for Humanity of Anderson County Homeownership Program?

Habitat for Humanity of Anderson County Homeownership Program is down payment assistance for homebuyers in Anderson, South Carolina, administered by Habitat for Humanity of Anderson County.

  • Habitat for Humanity of Anderson County offers low-income households a path to homeownership by building homes sold with an interest-free (0%) mortgage. Qualification is based on need, ability to pay, and willingness to partner (sweat equity and financial education). Monthly payments are held to approximately 25% of gross monthly income. Applications are accepted only during posted open periods.
  • 0% interest mortgage.
  • New affordable home.
  • Payment held to ~25% of gross monthly income.
  • Financial education.
  • Pathway for households below 60% AMI.
  • Funding comes from Nonprofit; ReStore sales proceeds, donations, community partners (e.g., United Way of Anderson).

Do you have to pay it back?

Habitat for Humanity of Anderson County Homeownership Program is down payment assistance and is repaid under the terms set by Habitat for Humanity of Anderson County.

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

Who qualifies?

Habitat for Humanity of Anderson County Homeownership 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 — the program sets its own definition
  • The home is occupied as a primary residence
  • On credit: No stated minimum; credit history reviewed. No bankruptcy within 2 years; no outstanding collections/liens/judgments that cannot reasonably be paid by build completion.
  • A completed homebuyer education course, through Financial education classes on budgeting and first-time home buying plus 300 sweat-equity hours per household
  • Residency: Must live or work in Anderson County for at least one year
  • Citizenship or immigration status: Must be a legal resident of the United States
  • DRAFT (dpa-gap-finder 2026-06-13): pending review. Verified on the affiliate's official site. Habitat 0% mortgage model (no fixed DPA dollar amount). Requires 300 sweat-equity hours per household, demonstrated housing need, financial education, no bankruptcy within 2 years, and background checks. Applications accepted only during posted open periods.

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?

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

  • Household income must be below 60% of the area median income for Anderson County (no published dollar table). Must show steady income, ability to pay ~25% of gross monthly income toward the house payment incl. taxes/insurance, and ability to pay projected utilities.
  • 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?

Habitat for Humanity of Anderson County Homeownership Program can be used for Single Family.

  • New construction is eligible.

Where does it apply?

Habitat for Humanity of Anderson County Homeownership Program serves buyers purchasing in Anderson, South Carolina.

How do you apply?

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

  1. Take a homebuyer education course

    Required by the program, through Financial education classes on budgeting and first-time home buying plus 300 sweat-equity hours per household.

  2. Contact Habitat for Humanity of Anderson County 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.

90-second match

Not sure which you qualify for?

Answer 9 questions and we'll match you to every program you can actually use — in about 90 seconds. No SSN, no credit pull.

Find my programs