Sumter Habitat for Humanity Homeownership Program

Sumter Habitat for Humanity Homeownership Program is down payment assistance for homebuyers in Sumter, South Carolina, administered by Sumter Habitat for Humanity. Sumter Habitat for Humanity partners with qualified low-to-moderate-income households (50-80% AMI) in Sumter County to provide quality homes with affordable, below-market-interest mortgages and no down payment. Homebuyers complete 300 Homebuyer-in-Process sweat-equity hours (construction, ReStore, education, community engagement). Home types include new-build homes, refurbished 'Recycle' homes, and Senior Cottages. The application process can take up to 5 months with total time to closing up to 2 years. No down payment required. Affordable below-market/0% interest mortgage. New, refurbished, or senior-cottage homes. Homebuyer education. Pathway to build wealth. Funding comes from Nonprofit; donations, ReStore proceeds, volunteer support.

Sumter Habitat for Humanity Homeownership Program is down payment assistance and is repaid under the terms set by Sumter Habitat for Humanity. Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Sumter Habitat for Humanity Homeownership Program is open to first-time homebuyers and homebuyers who will live in the home as their primary residence. "First-time homebuyer" usually means not having owned a home in the last three years, but the program sets its own definition. The program lists a minimum credit score of 575. A homebuyer education course is required, through Homebuyer education delivered within the required 300 Homebuyer-in-Process (HIP) sweat-equity hours. Residency requirement: Must have lived in Sumter County for at least the last 12 months; willing to live within Sumter city limits. Verified on the affiliate's official site (income charts dated May 2026). Habitat below-market/0% mortgage model (no fixed DPA dollar amount). Requires 300 HIP sweat-equity hours plus 10 Good-Faith hours; minimum credit score 575; 50-80% AMI; 12-month Sumter County residency; stable income (2 years employment, 1 year at current job); debt thresholds apply. Application cycle was CLOSED as of June 2026 (interest form open); program itself active.

Sumter Habitat for Humanity Homeownership Program limits household income to 80% of the area median income, which varies by county and household size. Annual income must be 50%-80% of HUD AMI for the area. Income tables published on the affiliate site as image charts (separate Senior Cottage and Traditional Homeownership tables dated May 2026); income must be stable. GAP: dollar figures published as images and not extractable as text. 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.

Sumter Habitat for Humanity Homeownership Program can be used for Single Family. New construction is eligible.

Sumter Habitat for Humanity Homeownership Program serves homebuyers purchasing in Sumter, South Carolina.

Applications for Sumter Habitat for Humanity Homeownership Program go through Sumter Habitat for Humanity, which publishes the current terms and the application steps on its own site. Hey Prescott is not a lender and does not accept applications; this page describes the program so a homebuyer can take it to a lender or housing counselor.