💙 Our Mission
We believe homeownership is not a luxury — it’s a foundation. It’s where families grow, memories are made, and long-term financial security begins.
Our mission is simple: to break down the financial barriers that keep deserving people from stepping through the front door of their own home. We want to ensure that income level, lack of family support, or past financial missteps don’t stand in the way of your future.
We help buyers across the country access non-repayable down payment assistance, allowing them to buy smart, keep more of their savings, and move forward confidently into homeownership — whether it’s their first time or their fresh start.
We exist to give people more than just a house — we help them build a life with stability and peace of mind.
💙 Our Mission
At Homestart Assistance, we believe homeownership is not a luxury — it's a foundation. It’s where families grow, memories are made, and long-term financial security begins. Our mission is to break down the financial barriers that keep deserving people from stepping through the front door of their own home.
We help buyers across the country access non-repayable down payment assistance, allowing them to buy smart, keep more savings, and move forward confidently into homeownership — whether it’s their first time or their fresh start.
🛠️ Why We Started South Carolina Housing Assistance
There are dozens of down payment assistance programs out there — and most of them have fine print that makes it feel like you’re trading one financial burden for another.
Some:
Require repayment
Place second liens on your home
Force you to live in the home for 3, 5, or even 20 years
Only serve low-income borrowers or first-time buyers
We saw the gap. Too many hardworking people were falling through the cracks — especially those:
Some:
Earning too much to qualify for “assistance” but not enough to save $20K+
Who wanted a low cash-to-close option without draining their savings
Who were disqualified by other programs for things like a high DTI or past financial mistakes
South Carolina HA is for people who need a break — not a trap.
South Carolina Housing Assistance works with private funders, nonprofit partners, and forward-thinking mortgage lenders who believe in our mission to make homeownership more accessible and sustainable for today’s buyers.
Instead of relying on rigid government programs with layers of red tape, we use privately-backed grants that go directly toward your closing.
These funds:
Require no repayment
Don’t create a lien on your home
Don’t tie you to lengthy occupancy requirements
Because we operate independently, we can respond faster, serve a broader range of buyers, and tailor our support to today’s real-world market — not outdated government rules.
This gives us the flexibility to say “yes” when others say “not quite.”
💸 How the Program is Funded
🛠️ Why We Started Homestart Assistance
There are dozens of down payment assistance programs out there — and most of them have fine print that makes it feel like you’re trading one financial burden for another.
Some:
Require repayment
Place second liens on your home
Force you to live in the home for 3, 5, or even 20 years
Only serve low-income borrowers or first-time buyers
We saw the gap. Too many hardworking people were falling through the cracks — especially those:
Some:
Earning too much to qualify for “assistance” but not enough to save $20K+
Who wanted a low cash-to-close option without draining their savings
Who were disqualified by other programs for things like a high DTI or past financial mistakes
Homestart Assistance is for people who need a break — not a trap.
💸 How the Program is Funded
Homestart Assistance works with private funders, nonprofit partners, and forward-thinking lending institutions that believe in our mission to make homeownership more accessible and sustainable. Instead of relying on federal or state programs with layers of red tape, we leverage flexible, privately-backed grants that can be applied directly at closing — with no repayment requirements, no liens, and no catch. This means we can serve a wider variety of buyers, respond faster, and offer more competitive terms.
🧑🤝🧑 Who We Serve
We proudly support:
First-time buyers and repeat buyers
High-income earners with limited savings
Buyers who need reserves to qualify
USDA-ineligible borrowers
Clients with high-interest debt impacting their DTI
Move-up and downsizing homeowners waiting on equity from their current home
Renters tired of paying someone else's mortgage
In short — if you’re financially ready to own but stuck because of a cash hurdle, we’re here for you.
🚀 What's The Difference?
No repayment — Ever.
No income limits
No first-time buyer requirement
Fast approvals with trusted lenders
Savings-boosted design — use leftover funds to build your cushion after closing
Freedom & flexibility — no long-term restrictions on your property
🧑🤝🧑 Who We Serve
We proudly support:
First-time buyers and repeat buyers
High-income earners with limited savings
Buyers who need reserves to qualify
USDA-ineligible borrowers
Clients with high-interest debt impacting their DTI
Move-up and downsizing homeowners waiting on equity from their current home
Renters tired of paying someone else's mortgage
In short — if you’re financially ready to own but stuck because of a cash hurdle, we’re here for you.
🚀 What Makes Homestart Assistance Different?
No repayment — Ever.
No income limits
No first-time buyer requirement
Fast approvals with trusted lenders
Savings-boosted design — use leftover funds to build your cushion after closing
Freedom & flexibility — no long-term restrictions on your property
💬 Hear from the Heart
We're not just offering funds — we're offering a head start.
"SCHA helped me buy a house and keep my emergency fund. For the first time, I feel financially stable and secure in my future."
"We were denied other assistance because of our income. SC Home Assistance made our dream of moving out of our two-bedroom apartment a reality."
Maria H., Columbia
James & Bri, Rock Hill
📍 Ready to Learn More?
South Carolina Housing Assistance isn’t just another DPA program — it’s a smarter way to buy.
Let’s make your homeownership story one worth telling.
💬 Hear from the Heart
We're not just offering a grant — we're offering a head start.
"Homestart Assistance helped me buy a house and keep my emergency fund. For the first time, I feel financially stable and secure in my future."
Maria H., Arizona
"We were denied other assistance because of our income. Homestart Assistance made our dream of moving out of our two-bedroom apartment a reality."
James & Bri, Colorado
📍 Ready to Learn More?
Homestart Assistance isn’t just another DPA program — it’s a smarter way to buy.
Let’s make your homeownership story one worth telling.
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