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Family
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 time of application

 

WILLINGNESS TO PARTNER

  • Household willing to perform 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

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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.

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Prepare for a Brighter
Financial Future

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        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 lo
 

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

        16 E Dekalb Street, Camden, SC 29020

We will be taking applications in September 2025. We will have the Qualification/Criteria zoom meetings in August 2025. You must attend one of the zoom meetings before you receive an application. Check back for the zoom sign ups in August 2025.

 

 

How do I donate my car in Kershaw County? You can donate your car in 4 easy steps: 1. Start your donation online by navigating to our donation wizard, or call our hotline: 1-877-277-4344 2. Our team will ask about your vehicle, including the make, model, vehicle identification number (VIN) and current mileage. 3. When your vehicle is accepted, schedule a day and time for us to pick it up. 4. Receive your tax receipt.

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What type of vehicle can I donate?

● Car

● Truck

● Boat

● RV

● ATV’s and UTV’s

● Motorcycle

● Construction or farm equipment

● Any other vehicle ― running or not! All submissions are subject to evaluation. Due to donation location and condition, some vehicles may not be accepted.

Can I donate a vehicle that does not run? Absolutely! Your vehicle does not need to be running in order to donate it. But, it does need to have all tires inflated so we can tow it away. All submissions are subject to evaluation. Due to donation location and condition, some vehicles may not be accepted.

What happens to my vehicle after my vehicle donation is accepted? About half of donated vehicles are sold to licensed dealers through wholesale auctions, giving them a second chance as transportation.. The other half goes to auto salvage yards, where usable parts—like batteries, tires, and fluids—are carefully removed. What’s left is crushed, shredded, and recycled into new steel. Donated vehicles are not given or sold to the general public; to protect donors and Habitat affiliates, they are sold only to licensed, bonded and insured wholesale dealers. Funding from the sale of each vehicle donation supports Habitat’s local programs in your community—helping families build strength and stability through affordable housing. After your vehicle is sold, we'll send you a letter with the sale details for your records. How much of a tax write-off do I get for donating my car? When your vehicle is sold, that will determine the value. If your vehicle sells for more than $500, you may be eligible to deduct the full selling price. If your vehicle sells for $500 or less, you can deduct the “fair market value” of your vehicle, up to $500. We recommend that you talk to your tax advisor to determine your personal tax deduction situation.

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