Resources Available:

Habitat for Humanity of Kershaw County is part of a global, nonprofit housing organization operated on Christian principles that seeks to put God’s love into action by building homes, communities, and hope. Habitat for Humanity of Kershaw County is dedicated to eliminating substandard housing locally and worldwide through constructing new homes and advocating for fair and just housing policies; and by providing training and access to resources to help families improve their shelter conditions. Habitat for Humanity was founded on the conviction that every man, woman and child should have a simple, durable place to live in dignity and safety, and that decent shelter in decent communities should be a matter of conscience and action for all.

Homeownership Program:

Kershaw County Habitat for Humanity (KCHFH) constructs safe, stable homes in partnership with low-to moderate-income families who are unable to qualify for a conventional mortgage. KCHFH provides a hand-up—not a handout—to local families.

Our partner families contribute sweat equity hours assisting in the ReStore and in the construction of homes for other families before ultimately helping to build their own home. Additionally, partner families participate in financial education classes to prepare them for homeownership. In return, they receive an affordable home mortgage. The purchase price is substantially below market value thanks to volunteers who donate their time assisting in the building of the home, thus providing a portion of the labor at no cost to the homeowner. Monthly mortgage payments are used to help build future Habitat homes.

Qualifications:

• Need for Housing
  • Living in overcrowded housing
  • Living in substandard housing
  • Paying more than 30% of gross income on rent
  • Does not own a home at the time of application
• Willingness to Partner
  • Household willing to perform a minimum of 250 Sweat Equity hours
  • Have lived or worked in Kershaw County for the last year
  • Committed to a drug-free community and no serious criminal history
  • Completion of homebuyer education course
  • Completion of financial literacy course
  • Save for closing costs and other related expenses
  • Participate in Habitat for Humanity of Kershaw County events
• Ability to Pay
  • Income: must be stable and fall between 30-60% of HUD Area Median Income
  • Budget: Mortgage payments will be no more than 30% of the gross monthly income of the applicant(s).
  • Delinquent Debt: All delinquent debt must be paid off before application approval.
  • Credit Score: Habitat for Humanity of Kershaw County does not require a minimum credit score for approval.
  • No charge-offs for the past 2 years.

ReStore: 

A ReStore is a furniture store, a home goods store, a home improvement store, a place to donate, a place to volunteer, and so much more! Habitat for Humanity of Kershaw County is open to the public and sell new and gently-used furniture, appliances, home décor, building materials and more at a fraction of the retail price. All proceeds from the Habitat for Humanity of Kershaw County ReStore are used to help build strength, stability, self-reliance and shelter for hard-working families in our own community.

Prepare for a Brighter Financial Future:

Habitat for Humanity of Kershaw County’s Financial Stability Classes are designed to engage,
educate and empower individuals and families to build a better future through self-sufficiency.
This program will help you to achieve success, however you define it.
Financial Stability Class topics include: budgeting skills, improving credit, reducing debt, workforce
and employment skills, credit building products. Our free financial and employment
coaching provides individualized support focused on helping you achieve your short and long-term goals.

For more information: Linda Robinson at (803) 432-4333; information@kershawhabitat.org

Handicap Ramp Program