Charleston Habitat for Humanity Homeownership Program
First mortgage · New construction · Income limits
Down payment assistance · Charleston County
Buying a home in Shell Point, SC
2 county programs and 11 statewide.Shell Point has no program of its own, 2 across Charleston County, and 11 statewide. Here is what each one offers, and who near you can walk you through it.
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What’s local to Shell Point
No program of Shell Point’s own yet
No program run for Shell Point alone is listed. A home in Shell Point can use Charleston County’s programs below, plus the South Carolina statewide and federal ones.
The closest city that runs its own program is Charleston, about 10 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in CharlestonAnywhere in Charleston County
2 county programs2 county programs a Shell Point homebuyer can use
1 more program is for homes in Charleston. See them 1 program in neighboring cities — for homes inside those cities, not Shell Point
- Charleston — City of Charleston Homeownership Initiative (HI) - First-Time Homebuyer Program
Income limits in Charleston County
How programs here set their income limits
$117,500
County area median income, 4 people (HUD)HUD area median income, Charleston County, 4-person household (2026)
11 of the 75 programs here set their income limit as a share of Charleston County’s area median income, adjusted for household size. See the published limits for Charleston County
Free help nearbyFree help near Shell Point
4 HUD-approved counseling agencies within 15 miles4 HUD-approved housing counseling agencies within 15 miles
2 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 2 local programs here ask 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
Shell Point questions
Does Shell Point have its own down payment program?
No program run for Shell Point alone is listed. A home in Shell Point can use the 2 programs that cover Charleston County and the 11 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Shell Point?
None of Shell Point’s 2 local and county programs list condos as eligible. Charleston Habitat for Humanity Homeownership Program lists single family. Sea Island 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 Charleston County?
Each program sets its own. 11 of the programs here set theirs as a share of HUD’s area median income for Charleston 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 Shell Point?
HUD-approved housing counseling agencies teach homebuyer classes, and 4 agencies are within 15 miles of Shell Point. Create a free account and take the 90-second match to see the ones near you.
Nearby in Charleston
Sources
Sources: agency sites (July–August 2026), 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). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.