Spartanburg County · Palmetto Heroes

Help for first-time buyers in Spartanburg County, South Carolina

Q: Which Greer addresses use Spartanburg limits?

Only those in Spartanburg County. A lender checks the county on your contract.

Q: Is Made It Home! the same as Palmetto Heroes?

No. Made It Home! is a separate SC Housing program for set new homes in five cities, including Spartanburg, with no job requirement.

Q: Do I need to have not owned a home for 3 years?

Yes, for Heroes and the Homebuyer Program in Spartanburg County. Palmetto Home Advantage has no such rule.

Spartanburg County public servants can line up SC Housing's $10,000 forgivable DPA today and be ready if a 2027 Palmetto Heroes round is announced.

County seat: Spartanburg
Residents: 380,857
Income ceiling, 3+: $110,170
Highest price: $450,000

About buying in Spartanburg County

Spartanburg, Boiling Springs, Duncan, Woodruff and part of Greer make up a county with seven school districts, Spartanburg One through Seven. That's a lot of teachers who fit the Heroes educator list.

The city of Spartanburg is one of the Made It Home! locations, with up to $25,000 in forgivable DPA on certain new builder homes. It doesn't stack with the standard $10,000, so a lender can show which is worth more.

Spartanburg is a 3-year-rule county. Greer buyers should check which side of the line they're on: the Greenville County side uses higher limits of $106,400 / $122,360.

Limits that apply in Spartanburg County

Households of one or two	Households of three or more	Highest purchase price
$95,800	$110,170	$450,000

Spartanburg County uses $95,800 for 1-2 people and $110,170 for 3+, with the $450,000 price limit. You may also consult the statewide table or work out a comfortable price.

Further assistance offered in Spartanburg County

The programs below are run locally. Some may be added to the state program and some take its place; since each sets its own rules, your loan officer will tell you which can be used together.

City of Spartanburg Homebuyer Assistance Program

Accepting applications

City of Spartanburg

Intended for: First-time buyers (or no home in 3 years) at or below 80% AMI (80-100% AMI may qualify on certain properties)
Assistance: Up to $20,000
Form of help: Forgivable second loan
Income ceiling: 80% AMI (Fox Carolina estimated ~$60,000 for a family of 4 in Feb 2025)
Price ceiling: $237,000 existing; $273,000 new construction
First-time buyers only?: Yes
Further conditions: Pre-approved fixed-rate 20-40 year mortgage; $500 minimum buyer investment; third-party inspection; payment ~35% of income; eligible areas map; $325 fee

0% subordinate loan forgiven over up to 20 years depending on amount, secured by restrictive covenant. City page: https://www.cityofspartanburg.org/213/Homeowner-Resources

Reviewed November 2026 · our standards

Read our full account Ask whether I qualify

Northside Development Group Spartanburg Homebuyer Assistance

Not open at present

Northside neighborhood, City of Spartanburg

Intended for: First-time buyers <=200% AMI; Spartanburg District 7 employees (no income limit); 'Local Heroes' <=200% AMI (teachers, first responders, police, firefighters, nonprofit employees)
Assistance: Up to $20,000 (<=80% AMI); up to $10,000 (80-200% AMI)
Form of help: Forgivable second loan
Income ceiling: Up to 200% AMI
First-time buyers only?: No
Further conditions: Fixed-rate mortgage; approved homebuyer education; payment ~35% of income; Northside neighborhood only

Page says 'Funds for this program are currently unavailable. Please check back for updates.' Worth a 'notify me' since it explicitly names teachers and first responders.

Reviewed November 2026 · our standards

Ask whether I qualify

The complete list for South Carolina

Homebuyer classes near Spartanburg County

Nearly every assistance program asks you to complete a homebuyer class before closing. The HUD-approved agencies below, each within reach of Spartanburg County, teach that class or offer counseling before purchase.

Agency	Location	Miles away	Offered	Languages	How it is taught
Regenesis Community Development Corporation F/K/A Upstate Housing Partnership	Spartanburg	4 mi	homebuyer education class, pre-purchase counseling	English	Phone
Greenville County Human Relations Commission	Greenville	24 mi	homebuyer education class, pre-purchase counseling	English	Face to Face, Phone, Internet

Taken from HUD’s list of housing counseling agencies. A given program may not accept every class.

Unsure which class will count? A loan officer who offers South Carolina programs can tell you, and can begin your pre-approval at the same time. Begin my eligibility review

Local employers whose staff may qualify

Among the eligible employers in and around Spartanburg County:

Spartanburg County School Districts One through Seven
Spartanburg County Sheriff's Office
Spartanburg Police Department
Spartanburg Fire Department

Educators across Spartanburg's seven districts and officers and firefighters with these agencies matched the 2026 Heroes roles. The full list of eligible professions

Questions about Spartanburg County

Which Greer addresses use Spartanburg limits?

Only those in Spartanburg County. A lender checks the county on your contract.

Is Made It Home! the same as Palmetto Heroes?

No. Made It Home! is a separate SC Housing program for set new homes in five cities, including Spartanburg, with no job requirement.

Do I need to have not owned a home for 3 years?

Yes, for Heroes and the Homebuyer Program in Spartanburg County. Palmetto Home Advantage has no such rule.

Neighboring county guides

Every county guide