hey prescott.
See what you qualify for

Habitat for Humanity of Greenville County Homeownership Program

Habitat for Humanity of Greenville County · Greenville, South Carolina

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

80% AMI

Of area median income; varies by county and household size

What is Habitat for Humanity of Greenville County Homeownership Program?

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

  • Habitat for Humanity of Greenville County builds homes with volunteer labor and sells them to income-qualified partner families through an affordable, 0% interest mortgage, with payments capped at no more than 30% of gross monthly income. Applicants must have lived and/or worked in Greenville County for at least one year, earn 30%-80% of AMI, demonstrate need, and complete 25 hours of education plus 200+ sweat-equity hours. A sweat-equity / 0%-mortgage model, not a cash down payment grant.
  • 0% interest mortgage.
  • Payment capped at 30% of gross income.
  • Builds equity.
  • 25 hours homebuyer education.
  • New build home.
  • Funding comes from Donations, sponsorships, grants, homeowner mortgage payments, ReStore proceeds.

Do you have to pay it back?

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

  • The assistance is recorded in First position.
  • 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 Greenville 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 published minimum; staff can work with applicants on credit before approval.
  • A completed homebuyer education course
  • Residency: Lived and/or worked in Greenville County at least one year
  • DRAFT (dpa-gap-finder 2026-06-12): pending review. Sweat-equity model: 200+ hours plus 25 hours of homebuyer education before purchase. Also runs the Advancing Black Homeownership Project initiative (program itself is open to all income-qualified applicants; not race-restricted). Applications open in periodic windows. Habitat assistance_type 'other'.

The program excludes

  • Manufactured homes
  • Households above 80% 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 Greenville County Homeownership Program limits household income to 80% of the area median income, which varies by county and household size.

  • Household income between 30% (min) and 80% (max) of AMI for the family size.
  • 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 Greenville County Homeownership Program can be used for Single Family.

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

Where does it apply?

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

  • The program targets specific areas: Advancing Black Homeownership Project (launched Fall 2023).

How do you apply?

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

  1. Take a homebuyer education course

    Required by the program before funds are reserved.

  2. Contact Habitat for Humanity of Greenville 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.

Other programs in Greenville, South Carolina

See every program in Greenville, South Carolina →

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