Housing Assistance

Affordable Homebuyer Program: City of Sumter Housing & Economic Development Corp.


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


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 Size12345678
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 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.

Visit hud.gov/coronavirus/homeowners for information about COVID-related financial assistance with your FHA Loan. 

Click for FHA COVID Relief

Click for FHA COVID Relief

Important Links:
Rescue Act
Contact Info:

Liberty Center
12 West Liberty Street
Suite 4
Sumter, SC 29150
Fax: (803) 774-1685

Clarence "CG" Gaines
Community Development Director
Email: [email protected] 
Phone: (803) 774-1649

Carolet Thomas
Administrative Assistant
Liberty Center
Email: [email protected]
Phone: (803) 774-1652

Hours of Operation: 8:30am - 5pm, Mon - Fri