City of Spartanburg First-Time Homebuyer Program

Administered by: City of Spartanburg · City · Forgivable Loan

Funding status: Active

How much assistance

Up to $20,000 (Forgivable Loan)

Zero interest deferred forgivable loan. Forgiven over 20 years of owner-occupancy. Repayment required if the home is sold or no longer used as primary residence before the forgiveness period ends.

Eligibility

  • Income limits: Household income at or below 80% of Area Median Income for Spartanburg County.
  • First-time buyer required: Yes — Must not have owned a home in the past 3 years.
  • Geographic restrictions: Must purchase a home within the City of Spartanburg limits.
  • Homebuyer education required: Yes

How to Apply for City of Spartanburg First-Time Homebuyer Program

Step 1: Contact the City of Spartanburg Community Development Department. Complete a HUD-approved homebuyer education course. Secure a fixed rate mortgage. Submit application with required documentation.

Visit program website

Notes

Funds may be used for down payment and/or closing costs.

Cities Where This Program Is Available

Available Statewide In