Affordable Homebuyer Program - Housing

City of Sumter Housing & Economic Development Corp.

NEW CONSTRUCTION The construction of new stick built house is sold to a qualified applicant. These houses are built throughout the city limits.


Housing Director: Clarence Gaines

12 West Liberty Street (Liberty Center)

Sumter, SC 29150




To assist lower income individuals and families to purchase a Home within the City of Sumter.


Eligible Buyer

  • Maximum Household Income must not exceed HUD's Income Limits as noted below:   


    Family Size 1 2 3 4 5 6 7 8
    Income Limit $26,600 $30,400 $34,200 $38,000 $41,050 $44,100 $47,150 $51,200


  • Income Verification: The Section 8 (Part 5) definition of income will be used to verify the income of all individuals that are 18 years or older and permanently reside in the household.   
  • Financing: Applicant must be able to obtain first mortgage financing from private mortgage lender.   
  • Credit History: Applicant must have a responsible Credit History.   
  • Minimum cash contribution may be required from buyer: 1% of Selling Price   
  • Homebuyer Counseling: Applicant must attend and complete pre-purchase and post-purchase counseling provided by the City of Sumter.


Eligible Properties - The only housing units that are eligible under this program are houses built by the City of Sumter.


  • Location: Various areas within the City limits.   
  • Primary Residence: The applicant must occupy the property as their principal residence.


Loan Description


  • City Grant up to $3,000 for Closing Costs.   
  • Forgivable deferred loan to $35,000 for gap financing (0% deferred loan).



New Construction - 110 S. Magnolia New Construction - 260 Poulas