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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

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.

Notes

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

Cities Where This Program Is Available