SC Housing Rehabilitation Loan Program

South Carolina State Housing Finance and Development Authority

Available Home Repair

About This Program

SC Housing Rehabilitation Loan Program is available to homeowners in North Charleston, SC.

Provides low-interest loans to qualified homeowners for major home repairs and improvements. Loans are available at 0-3% interest depending on income level, with up to 15-year repayment terms.

Estimate assumes moderate rehabilitation scope at typical program loan amount

Official program page checked live on 2026-06-22.

Data last verified 2026-05-25. How we verify our data.

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

Key Details

  • Low-interest loans up to $30,000
  • 0-3% interest based on income
  • Up to 15-year repayment terms
  • Income at or below 80% AMI
  • Owner-occupied homes statewide

How to Apply

Get free help applying Visit Official Program Page Track this program

(803) 896-9001

A grant-savvy contractor in North 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 North Charleston early keeps your application moving.

Get matched with a contractor

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 applications

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 SC Housing Rehabilitation Loan Program provide in North Charleston, SC?

Up to $30,000.

Who qualifies for SC Housing Rehabilitation Loan Program in North Charleston?

SC Housing Rehabilitation Loan Program is open to homeowners in North Charleston, SC. It prioritizes low-income households.

How do I apply for SC Housing Rehabilitation Loan Program in North Charleston, SC?

Apply directly with South Carolina State Housing Finance and Development Authority using the official program link on this page or call (803) 896-9001. 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 North Charleston, SC contractors

Find More Programs in North Charleston, SC

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

See All Programs