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Homeowner Rehabilitation
Homeowner Rehabilitation Programs

The homeowner rehabilitation programs implemented by the department include the Substantial Rehabilitation Program and Roof Replacement Program. The primary source of funding for the programs are Community Development Block Grant (CDBG) and HOME Investment Partnerships (HOME) Funds. Additional funding sources are also provided for the Homeowner Rehabilitation Program. Further details are provided below.

View or download the rehabilitation program brochure or application.

                            Historic rehab

Substantial Rehabilitation

The Substantial Rehabilitation Program provides financial assistance to home owners with major housing repair needs. The owner is required to provide a minimum of 20% of the cost of construction from private sources. Additional program details include, but are not limited to:

  1. Clients may qualify for the maximum loan amount of $80,000.00 from city funds;
  2. The loan amount will be structured over a 20-30 year term.
  3. All projects recommend for assistance will receive a full review by the Redevelopment and Preservation Commission.

Roof Replacement

Roof replacements are provided for homeowners who are at 80% and below the Area Median Income. Additional program details include, but are not limited to:

  • Roof replacement repairs consists of correcting code related items including roof covering, flashing, sheathing and roof structure, soffits and gutters.
  • The applicant must have clear title to their residence with no liens or judgments filed against the property.  
  • The applicant is required to repay ½ the cost of the roof replacement in accordance with the following terms:
    • Monthly payments that are made over a 10 year loan term with payments calculated at 3% interest rate. The owner will make monthly payments during the first five years of the loan.  
    • During the 2nd five years of the loan no payments are made and the remaining balance of the loan is forgiven at the end of the 10 year loan term.








 

 

Eddie Bines
Housing Rehabilitation Program Manager
75 Calhoun Street, Third floor
Suite 3200
Charleston, SC 29401

Ph: 843-724-7349
Fx: 843-965-4180
Email

Shaniese Snype
Housing Finance Counselor
75 Calhoun Street, Third floor
Suite 3200
Charleston, SC 29401

Ph: 843-724-7348
Fx: 843-965-4180
Email

Karen Williams
Administrative Specialist
75 Calhoun Street, Third floor
Suite 3200
Charleston, SC 29401

Ph: 843-724-7347
Fx: 843-965-4180
Email