The goal of the Richland County Homeownership Assistance Program is to provide down payment and closing cost assistance to make homeownership possible in unincorporated Richland County. To receive an application of assistance, an individual or family must attend an Orientation.
Orientation Schedule for 2016
- Tues. January 12th (Lenders & Partners Workshop)
- Tues. February 23rd
- Tues. March 15th
- Tues. April 12th
- Tues. May 10th
- Tues. June 14th
- Tues. July 12th
- Tues. August 9th
- Tues. September 13th
- Tues. October 11th
- Tues. November 15th
- Tues. December 13th
Seating is Limited. Pre-registration is no longer required and attendance will now be on a first come, first serve basis as seating capacity is a maximum of 40 participants.
All orientations are approximately 1 hour.
- Orientations will begin promptly at 6:00 pm; please be punctual.
- All orientations will be held at 2020 Hampton Street.
- Please do not bring children to the orientation.
For more information, call Delores Mosesel 803-576-2089 or firstname.lastname@example.org.
Maximum Loan Amount
Up to $10,000 (to be determined by applicant’s information)*
- Must be a resident of South Carolina *
- Must be qualified as a household of low to moderate income household. Click here to view HUD Income Limits.
- Must provide income documentation
- Cannot have a contract on a house until after completing program requirements
Must be a single - family detached dwelling located in the unincorporated area of Richland County. The selected properties must be built after 1978. Each property must be able to pass a rigid inspection that will guarantee the home is livable, safe and does not require immediate repair.
All applicants must:
- Attend Program Orientation
- Attend home buying classes, click to view schedule.
- Turn in application with required paperwork
- $50 Application Fee (Money Order or Cashier’s Check) no Personal Checks!
- Attend a mandatory Post-Homeownership Workshop within the first year of becoming a homeowner.
- Adhere to policies and procedures of the RCHAP program.
The assistance will be provided as a deferred, forgivable, second mortgage. Approved applicants must live in the home for five (5) years from the time of closing for the loan to be forgiven. If the applicant does not use the home as primary residence for the five-year period, the assistance must be repaid based on a prorated formula.
For more information on “Shopping For Your Home Loan”, click here.
Community Development has a home for sale! Click here for more information.
Richland County homeownership opportunities are made possible through its non-profit and sub-recipient partnerships. HOME and Community Development Block Grant (CDBG) funds from the United States Department of Housing and Urban Development are awarded by the County through a competitive process, to non-profit housing developers who build, own, manage, finance and support low income housing initiatives. These organizations are referred to as Community Housing Development Organizations (CHDO).
Currently Richland County Community Development has 8 CHDO partnerships and the County plans to continue its tradition of building relationships
Click here for Non-Profit Contact Information
Click here for CHDO Policy & Procedures
A Miracle Leads to an Early Christmas Gift for Lower Richland Family
In six years, 2002 – 2008, Richland County Government invested 1.5 million with CHDO partners for the development of affordable, decent and safe homeownership opportunities. Projects include 19 acquisitions, new construction, reconstruction and/or rehabilitation of existing properties, for sale to low to moderate income buyers.
For more information, please contact Jocelyn Jennings at email@example.com.