Forgivable loan
CommunityWorks City of Spartanburg Homebuyer Assistance Program
First-time homebuyers · Income limits · Single Family · Modular
Down payment assistance · Spartanburg County
Buying a home in Spartanburg, SC
5 Spartanburg programs, 1 county program and 11 statewide.Spartanburg has 5 programs of its own, 1 more across Spartanburg County, 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 Spartanburg addresses
Spartanburg’s own programs
Forgivable loan
City of Spartanburg Homebuyer Assistance Program
First-time homebuyers · Income limits · Single-family detached, condominium, townhouse, PUD · manufactured home on permanent foundation per servicer overlays.
Down-payment assistance
Habitat for Humanity of Spartanburg Homeownership Program
New construction · Income limits · Single Family
Forgivable loan
Homebuyer Assistance Program
First-time homebuyers · Income limits · Single-family detached and attached owner-occupied dwellings located within Spartanburg city limits.
Forgivable loan
Northside Development Group Spartanburg Home Buyer Assistance
Income limits · Single-family detached, condominium, townhouse, PUD · manufactured home on permanent foundation per servicer overlays.
Anywhere in SpartanburgAnywhere in Spartanburg County
1 county program1 county program a Spartanburg homebuyer can also use
The Spartanburg marketThe Spartanburg housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Spartanburg
- 62.7% single-familysingle-family
- 3.8% townhousetownhouse
- 12.1% 2–4 units2–4 units
- 20.3% 5+ unitscondo & apartment buildings (5+ units)
- 1.1% mobile & othermobile home & other
Condos count. 3 of Spartanburg’s 6 local and county programs accept condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Spartanburg’s homes were built
pre-19401970s2020+
67.6%
of Spartanburg 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.
$91,200
County area median income, 4 people (HUD)HUD area median income, Spartanburg County, 4-person household (2026)
$51,964
Spartanburg median household incomeMedian household income in Spartanburg (Census, 2024)
14 of the 79 programs here set their income limit as a share of Spartanburg County’s area median income, adjusted for household size. See the published limits for Spartanburg County
Free help nearbyFree help near Spartanburg
2 HUD-approved counseling agencies within 15 miles2 HUD-approved housing counseling agencies within 15 miles
6 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 6 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
Spartanburg questions
Does Spartanburg have its own down payment program?
Yes, 5: CommunityWorks City of Spartanburg Homebuyer Assistance Program, City of Spartanburg Homebuyer Assistance Program, Habitat for Humanity of Spartanburg Homeownership Program, Homebuyer Assistance Program and Northside Development Group Spartanburg Home Buyer Assistance. Each is for homes inside Spartanburg.
Can I use assistance on a condo in Spartanburg?
3 of Spartanburg’s 6 local and county programs accept condos. 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 Spartanburg County?
Each program sets its own. 14 of the programs here set theirs as a share of HUD’s area median income for Spartanburg 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 Spartanburg?
HUD-approved housing counseling agencies teach homebuyer classes, and 2 agencies are within 15 miles of Spartanburg. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
29301 · 29302 · 29303 · 29304 · 29305 · 29306 · 29307 · 29316 · 29318 · 29319
Nearby in Spartanburg
Sources
Sources: agency sites (June–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 (June–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.