Homeownership Program

Homeownership Program

Through the Homeownership Program, Habitat Spartanburg helps Spartanburg County community members achieve safe, decent and affordable homeownership.

How does the program work?

Those interested in a Habitat home must first complete the Homeownership Program.

We accept applications for the Homeownership Program whenever space is available, and the application process takes anywhere from 3 to 6 months. Once approved, participants must complete all program requirements within 1 year, and Habitat homes are typically move-in ready within 6 months after that. From start to finish, the whole process typically takes 1-2 years.

The core requirement in the Homeownership Program is earning at least 350 hours of Sweat Equity. "Sweat Equity" refers to the hands-on involvement of our program participants, primarily through volunteer work on our construction sites and in classes on home maintenance and financial literacy. The purpose of Sweat Equity is to build partnership, pride in homeownership, and the knowledge and skills necessary to be successful as a homeowner. 

Upon successful completion of the Homeownership Program, participants have the opportunity to purchase a safe, decent home with an affordable monthly mortgage payment. The exact nature of homes can vary, but we typically build 3-bedroom, 2-bathroom homes in or near to the City of Spartanburg with a low- or no-interest mortgage.

To date, we have served more than 150 families through this program, and more than 55 have fully paid off their homes!

How can you apply?

If you are interested in applying to the Homeownership Program, please fill out this form. 

To prepare for the application process...

  1. Carefully review any information sent to you. Read directions and questions carefully, and fill out as much information as possible. Be honest and thorough in your answers. 
  2. Gather all required documents outlined on the closing page. Make copies of these documents and keep them together to submit with your application. If any need to be updated when you apply, we will let you know.
  3. Program Services staff will review your application and notify you with next steps. Keep an eye out for emails asking for additional information. 


Applicants must meet 3 qualifications for approval:

  1. Need for Assistance
  2. Ability to Pay
  3. Willingness to Partner

If you have questions on these qualifications, Program Services Staff are available to answer your questions via email or phone. 

What if you already own a home or land?

The value of any existing homes, land, or other real property may be factored into your eligibility for the Homeownership Program.

We do not build houses on land that we do not own, and we do not perform whole-house rehabilitations at this time. If you are interested in repairs on your current home, please consider our Critical Home Repair Program as an alternative.

Other questions?

For more information, please contact the Program Services Specialist at 864.591.2221 ext. 100.





Habitat for Humanity of Spartanburg has pledged to the letter and spirit of U.S. Policy for the achievement of equal housing opportunity throughout the nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial status or national origin.

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