First mortgage
Oconee County Habitat for Humanity Homeownership Program
First-time homebuyers · New construction · Income limits · Single Family
Down payment assistance · Oconee County
Buying a home in Seneca, SC
1 Seneca program and 11 statewide.Seneca has 1 program of its own, and 11 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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Only for Seneca addresses
Seneca’s own program
The Seneca marketThe Seneca housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Seneca
- 59% single-familysingle-family
- 4.3% townhousetownhouse
- 15.6% 2–4 units2–4 units
- 18.2% 5+ unitscondo & apartment buildings (5+ units)
- 3% mobile & othermobile home & other
About condos. Seneca’s one local program does not list condos as eligible. Oconee County Habitat for Humanity Homeownership Program lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Seneca’s homes were built
pre-19401970s2020+
46.8%
of Seneca homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$90,100
County area median income, 4 people (HUD)HUD area median income, Oconee County, 4-person household (2026)
$52,022
Seneca median household incomeMedian household income in Seneca (Census, 2024)
12 of the 74 programs here set their income limit as a share of Oconee County’s area median income, adjusted for household size. See the published limits for Oconee County
Free help nearbyFree help near Seneca
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Seneca’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Oconee County Habitat for Humanity Homeownership Program asks for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
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Across South Carolina and nationwide
73 statewide & federal programs11 statewide programs, plus federal options
Seneca questions
Does Seneca have its own down payment program?
Yes, one: Oconee County Habitat for Humanity Homeownership Program, a first mortgage for first-time homebuyers (new construction, income limits). It is for homes inside Seneca.
Can I use assistance on a condo in Seneca?
Seneca’s one local program does not list condos as eligible. Oconee County Habitat for Humanity Homeownership Program lists single family. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in Oconee County?
Each program sets its own. 12 of the programs here set theirs as a share of HUD’s area median income for Oconee County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Seneca?
HUD-approved housing counseling agencies teach homebuyer classes. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
29672 · 29678 · 29679
Nearby in Oconee
Sources
Sources: agency sites (July–August 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (July–August 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.