SC Housing Rehabilitation Loan Program

South Carolina State Housing Finance and Development Authority

Available Home Repair

About This Program

State-funded forgivable loan program for major home repairs and rehabilitation for low-income homeowners. Loan is forgiven after 5 years of occupancy and compliance with program requirements including maintaining homeowners insurance and property taxes.

Forgivable loan amount based on necessary repairs, no repayment after 5 years

Official program page checked live on 2026-06-17.

Data last verified 2026-06-09. How we verify our data.

Key Details

  • Forgivable loan for major home repairs up to $30,000
  • Income at or below 80% AMI required
  • Must be owner-occupied and current on property taxes
  • Loan forgiven after 5 years of compliance
  • Covers roofing, electrical, plumbing, structural repairs

How to Apply

Get free help applying Visit Official Program Page Track this program

(803) 896-9001

A grant-savvy contractor in North Myrtle Beach, SC can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

You will likely need a contractor to apply

Projects like this almost always need a licensed contractor, and many grants ask for a written estimate as part of your application. Lining up a contractor in North Myrtle Beach early keeps your application moving.

Get matched with a contractor

This program is usually a forgivable loan: you owe nothing if you stay in the home for the set period, but it may place a lien on the property until then.

Each program sets its own contractor rules. Check the official program page for exact requirements.

Your application paperwork

Documents you will likely need

  • Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
  • A government-issued photo ID for every owner on title.
  • Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
  • A written estimate from a licensed contractor for the work (many programs require this to apply).
  • A recent utility bill for the home (energy and weatherization programs use it to confirm service and usage).
  • Photos of the problem area or the work to be done.
  • The program's own application form, completed (use the official link or phone number on this page).
Download this checklist (PDF)

Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.

Deadline: Rolling basis, subject to availability

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