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All of South Carolina · Grant

Housing Preservation Initiative (SC Housing Trust Fund home repair)

Run by SC State Housing Finance and Development Authority (SC Housing)

SC Housing pays for essential repairs to low-income homeowners' primary homes, including HVAC, water heaters, roofs, windows, doors and attic insulation, up to $30,000 (Tier I) or $75,000 (Tier II). Repairs under $15,000 are a grant; larger ones are a forgivable loan. Apply through an approved local sponsor.

Open Checked Oct 25, 2026

Amounts

How much you get

Tier I: $2,000 to $30,000 of repairs per home (up to $30,000 for manufactured or mobile homes). The amount depends on which of these fits your install.

What you installYou get
000 to $30,000 of repairsTier I: $2N/A
001 to $75,000 of repairs ($40,000 for manufactured/mobile homes)Tier II: $30N/A

Eligibility

Do I qualify?

You need to meet all 5 of these.

  • Your home is in South Carolina.

  • Gross annual household income at or below 80% of area median income for your household size and county.

  • You must own and live in the home as your primary residence, and not own other improved real estate such as a second home or rental property.

  • Manufactured and mobile homes must have been made within 25 years of the application, and you must own both the home and the land. The home's pre-repair tax-assessed value must be under SC Housing's county home value limit.

  • Repairs must not be covered by existing insurance.

Applying

How to apply

Follow these steps.

  1. Find an SC Housing approved sponsor for your county.

    Use the List of Approved Sponsors by County on the SC Housing Trust Fund page. Sponsors are nonprofits, local governments and councils of government.

  2. Apply with the sponsor and give income documents.

    The sponsor checks income for every adult in the household (tax returns, W-2s and other income proof) and inspects the home.

  3. The sponsor applies to SC Housing and coordinates the repairs.

    The sponsor manages qualified contractors; larger jobs may need a private home inspection.

  4. Sign the loan or restriction documents if required.

    Repairs over $15,000 are a forgivable loan, and $20,000 or more needs a recorded 20-year Land Use Restriction Agreement.

Forms and instructionsSC Housing Trust Fund Housing Preservation Initiative Program Manual (effective July 1, 2026) · Housing Trust Fund Approved Sponsor List - Housing Preservation Initiative Program · Contact Details (SC Housing)

Questions about applying803.896.9362 or SCHousingTrustFund@schousing.com

Your address

Next steps

Check that it covers your address. Then, if you want, ask for a contractor quote.

FAQ

Questions

How much does Housing Preservation Initiative (SC Housing Trust Fund home repair) pay?

Up to $75,000.

Is there an income limit?

Gross annual household income at or below 80% of area median income for your household size and county.

Do renters qualify?

You must own and live in the home as your primary residence, and not own other improved real estate such as a second home or rental property.

Is it still available?

Yes. It was open when we last checked, on October 25, 2026.

References

Sources

This page is built from these official pages, run by the program itself.

  1. South Carolina Housing Trust Fund (SC Housing)schousing.sc.gov · Read Oct 25, 2026 · Re-checked weekly
  2. SC Housing Trust Fund Housing Preservation Initiative Program Manual (effective July 1, 2026)schousing.sc.gov · Read Oct 25, 2026 · Re-checked monthly
  3. Housing Trust Fund Approved Sponsor List - Housing Preservation Initiative Programschousing.sc.gov · Read Oct 25, 2026 · Re-checked monthly
  4. Contact Details (SC Housing)schousing.sc.gov · Read Oct 25, 2026 · Re-checked monthly

When one of these pages changes, we re-check this page against it.

Report a problem with this page

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