Housing Assistance

New Construction
The construction of a new stick-built house is sold to a qualified applicant. These houses are built within city limits.

Goal

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:  

• 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 a private mortgage lender
• Credit History: Applicant must have a responsible Credit History
• Minimum Contribution: Minimum cash contribution of 1% of the selling price may be required from the buyer
• Homebuyer Counseling: Applicant must attend and complete pre-purchase and post-purchase counseling provided by the City of Sumter
• Primary Residence: Applicant must occupy the property as their principal residence

Eligible Properties - The only housing units that are eligible under this program are houses built by the City of Sumter and are located in various areas within the city limits. 

Loan Description

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

Mobile Home and Houses Rehabilitation Program

• 2022 UPDATE: all funds have been expended. Please direct any questions to the Community Development Office at  (803) 774-1649 or (803) 774-1652.