City of Charleston Substantial Rehabilitation Program

City of Charleston Housing & Community Development

Available Home Repair

About This Program

City of Charleston Substantial Rehabilitation Program is available to homeowners in Charleston, SC.

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.

Verified against City of Charleston Housing & Community Development's official page on 2026-06-17.

Data last verified 2026-04-03. How we verify our data.

In Charleston, SC, you can combine this program with other local help to cut your cost:

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

Get free help applying Visit Official Program Page Track this program

843-724-7349

A grant-savvy contractor in Charleston, 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 Charleston 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.
  • A written estimate from a licensed contractor for the work (many programs require this to apply).
  • 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

Questions about this program?

Ask us. It is free, and a real person answers within a business day.

Email us about this program

Frequently asked questions

How much can City of Charleston Substantial Rehabilitation Program provide in Charleston, SC?

$80,000 loan.

Who qualifies for City of Charleston Substantial Rehabilitation Program in Charleston?

City of Charleston Substantial Rehabilitation Program is open to homeowners in Charleston, SC.

How do I apply for City of Charleston Substantial Rehabilitation Program in Charleston, SC?

Apply directly with City of Charleston Housing & Community Development using the official program link on this page or call 843-724-7349. There is no middleman and no fee.

Need a Contractor for This Grant?

Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.

Get matched with a pro, free Browse Charleston, SC contractors

Find More Programs in Charleston, SC

This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.

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