City of Charleston Substantial Rehabilitation Program

About This Program

The City of Charleston offers deferred loans up to $80,000 for major structural and systems repairs on owner-occupied homes, funded through CDBG and HOME Investment Partnerships. Homeowners must contribute a minimum 20% of construction costs from private sources. Loan terms span 20–30 years and all projects are reviewed by the Redevelopment and Preservation Commission.

Loan up to $80,000 minus required 20% owner contribution. Estimate reflects city portion only.

Key Details

• Maximum city loan: $80,000 over 20–30 years
• Owner must contribute at least 20% of construction costs
• Covers structural repairs, roofing, HVAC, plumbing, electrical
• Projects reviewed by Redevelopment and Preservation Commission
• Contact Eddie Bines at 843-724-7349 to apply

How to Apply

Deadline: Rolling