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Habitat for Humanity of York County Homeownership Program

Habitat for Humanity of York County · Rock Hill, South Carolina

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Income limit

60% AMI

Of area median income; varies by county and household size

What is Habitat for Humanity of York County Homeownership Program?

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

  • Habitat for Humanity of York County builds homes with volunteer labor and sells them to income-qualified partner families through an affordable mortgage with payments no more than 30% of gross monthly income. Applicants must have lived or worked in York County for at least one year, earn 30%-60% of HUD AMI (limited availability 60-80%), keep total DTI under 40%, pay off delinquent debt, and complete a Financial Capability Workshop and homebuyer education. No minimum credit score required; 250+ sweat-equity hours. A sweat-equity / affordable-mortgage model, not a cash down payment grant.
  • Affordable mortgage (payment capped at 30% of gross income).
  • No minimum credit score.
  • No-profit sale.
  • Financial Capability Workshop.
  • 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 York County Homeownership Program is down payment assistance and is repaid under the terms set by Habitat for Humanity of York 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 York 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 minimum credit score required; all delinquent debt paid off before approval; bankruptcy requires 7 years since discharge.
  • A completed homebuyer education course
  • Residency: Lived or worked in York County for the last year
  • DRAFT (dpa-gap-finder 2026-06-12): pending review. Sweat-equity model: 250+ hours plus financial capability/homebuyer education before purchase. Total DTI must not exceed 40%; all delinquent debt paid off before approval; bankruptcy requires 7 years since discharge. $25 application fee. Habitat assistance_type 'other'.

The program excludes

  • Manufactured homes
  • 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 York County Homeownership Program limits household income to 60% of the area median income, which varies by county and household size.

  • Income between 30% and 60% of HUD AMI; limited availability 60-80%.
  • 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 York 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 York County Homeownership Program serves buyers purchasing in Rock Hill, South Carolina.

  • The program targets specific areas: Neighborhood Revitalization initiative in York County.

How do you apply?

Applications for Habitat for Humanity of York County Homeownership Program go through Habitat for Humanity of York 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 York 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.

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