Forgivable loan
City of Sumter Affordable Homebuyer Program
New construction · Income limits · Single Family
Down payment assistance · Sumter County
Buying a home in Sumter, SC
2 Sumter programs and 11 statewide.Sumter has 2 programs 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 Sumter addresses
Sumter’s own programs
Down-payment assistance
Sumter Habitat for Humanity Homeownership Program
First-time homebuyers · New construction · Income limits · Single Family
The Sumter marketThe Sumter housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Sumter
- 65.1% single-familysingle-family
- 5% townhousetownhouse
- 8.3% 2–4 units2–4 units
- 15.9% 5+ unitscondo & apartment buildings (5+ units)
- 5.7% mobile & othermobile home & other
About condos. None of Sumter’s 2 local and county programs list condos as eligible. City of Sumter Affordable Homebuyer Program lists single family. Sumter Habitat for Humanity Homeownership Program lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Sumter’s homes were built
pre-19401970s2020+
41.7%
of Sumter 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.
$74,200
County area median income, 4 people (HUD)HUD area median income, Sumter County, 4-person household (2026)
$55,592
Sumter median household incomeMedian household income in Sumter (Census, 2024)
12 of the 75 programs here set their income limit as a share of Sumter County’s area median income, adjusted for household size. See the published limits for Sumter County
Free help nearbyFree help near Sumter
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
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
Sumter questions
Does Sumter have its own down payment program?
Yes, 2: City of Sumter Affordable Homebuyer Program and Sumter Habitat for Humanity Homeownership Program. Each is for homes inside Sumter.
Can I use assistance on a condo in Sumter?
None of Sumter’s 2 local and county programs list condos as eligible. City of Sumter Affordable Homebuyer Program lists single family. Sumter 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 Sumter County?
Each program sets its own. 12 of the programs here set theirs as a share of HUD’s area median income for Sumter 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 Sumter?
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
29150 · 29151 · 29153 · 29154
Nearby in Sumter
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.