Home Safe Home loans available


USDA program provides loans of up to $20,000

COLUMBIA — Some say the electric feeling of buying and moving into your own home never wears off. When you own the floors you’re standing on, the walls surrounding you and the roof over your head, you also own great satisfaction from the hard work that resulted in your home becoming yours.

Yet, just as it was hard work to achieve the American Dream of homeownership, being responsible for maintaining and, inevitably, repairing your own home can be just as much hard work. USDA Rural Development’s Home Repair Program is an affordable way to keep your home safe, accessible and energy efficient.

The program provides very-low income rural homeowners with a one percent-interest fixed-rate loan of up to $20,000 for essential things like leaky roof repairs, improving accessibility, or even upgrades to heating and cooling systems to make a home more energy efficient. Seniors age 62 and older, who cannot qualify for a loan, may be eligible for a grant of up to $7,500, or a loan and grant combination to make needed repairs and improvements.

Last year alone, 209 South Carolina rural homeowners were able to make necessary improvements to their homes they did not realize they could afford. Some installed new smoke and carbon monoxide detectors or replaced old insulation. Some widened doors and added ramps. More importantly, these South Carolinians renewed the pride they felt the day they bought and moved into their own home.

Being a homeowner is hard work and a big responsibility, but you have a partner who wants you to succeed. USDA Rural Development wants to keep rural American homes safe, accessible and energy efficient. We also want to help homeowners preserve the pride in their homes. To learn more, visit www.rd.usda.gov/sc.

USDA is an equal opportunity provider and employer. To file a complaint of discrimination, write: USDA, Office of the Assistant Secretary for Civil Rights, Office of Adjudication, 1400 Independence Ave., SW, Washington, DC 20250-9410 or call (866) 632-9992 (Toll-free Customer Service), (800) 877-8339 (Local or Federal relay), (866) 377-8642 (Relay voice users)

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USDA program provides loans of up to $20,000
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