South Carolina

South Carolina State Housing Finance and Development Authority

That all South Carolinians have the opportunity to life in safe, decent and affordable housing. 

Relationship to State Government: 9-Member Board Nominated by Governor

Current Staff Size: 146

Visit SCHousing's Website


SCHousing is established



First bond issue raises $75 million in mortgage revenue



The Low Income Housing Tax Credit is established by the Tax Reform Act of 1986



SC Housing Trust Fund created by Act 410 from the SC General Assembly



South Carolina Homeownership and Employment Lending Program passed the $200 million dispersion threshold



Made homeownership possible for 43,000+ households with more than $2.91 billion in funds



Workforce and Senior Affordable Housing Act, creating a state tax credit for qualified affordable housing developments


Total Financing Provided


Rental Units Currently in Service


Homeowners Served Since 1971

Signature Program

Homeownership (SC Homebuyer Program)

The South Carolina State Housing Finance and Development Authority’s (SC Housing) Homebuyer Program assists low-to-moderate income families and individuals by offering a competitive fixed interest rate mortgage loan. SC Housing also offers down payment assistance based on availability. These funds may also be used to pay closing costs.

First-time mortgage loans: 46,295

Future Focus


Bonita Shropshire

Executive Director

“I see SC Housing building upon the windfall of resources, unprecedented changes in housing policy, and flexibility and collaboration among federal, state and local partners by facilitating affordable housing solutions through strategic public-private partnerships that address the needs of the local communities and the voices of our constituents.

Success Stories
Louvencer Browning
Housing Tax Credit


Spartanburg, SC

“Ms. Lou” (Louvencer Browning) was in the hospital having hip replacement surgery when she found out her application for a unit in Spartanburg’s Parkside at Drayton (Housing Tax Credit) development had been accepted. “You never see a sad face here! I had to pay a fortune before, and you should see the condition of some of the places. I’m just so thankful that someone thought about affordable housing for seniors. I love it here.”

Eva Chatman
Housing Trust Fund


Greeleyville, SC

Eva Chatman grew up in Greeleyville, SC “about a mile down the road” from the place she has called home since 1989. But a few years ago, her home was starting to show the wear that comes with years. That’s when the SC Housing Trust Fund, with help from Yvonne Nelson and the Williamsburg Enterprise Community Commission, stepped up to add a walk-in bathtub (needed after her hip surgery), insulation, windows and some other repairs.

James Nobels


Cayce/West Columbia, SC

When James Nobels decided to buy his first home, he was able to get expert advice from his dad, a long-time mortgage lender. That advice was, “Look into SC Housing programs.” James found a qualified lending partner, got preapproved and started looking for the house he wanted. Today James is happy at home in the Cayce/West Columbia area and says his new place is “Much more convenient than where I was renting. This is closer to where I needed to be.”

LIHTC helped fund Veranda at North Main, with 58 homes for seniors.
The Veranda at North Main features affordable and energy-efficient homes.
Ribault Senior Village in Beaufort, SC, opened in 2020 with 49 units. The development serves senior households aged 55 and over earning less than 60 percent of AMI.
Amenities at the Ribault Senior Village