Beaufort Memorial Employer Assisted Housing Program
Accepting applicationsWithin 15 miles of a Beaufort Memorial campus or practice (Beaufort/Jasper counties)
- Intended for
- Beaufort Memorial Hospital employees (nurses and other staff) with 6+ months service
- Assistance
- Up to $10,000 (<=100% AMI) or $5,000 (100-200% AMI) for purchase
- Form of help
- Forgivable second loan
Forgiven over 5 years; FHA loans may use funds only for closing costs; also offers refinance closing-cost help.
Reviewed November 2026 · our standards
Ask whether I qualifyWhat the hospital offers
Beaufort Memorial runs this benefit through CommunityWorks. Employees at or below 100% AMI can receive up to $10,000; those between 100% and 200% AMI can receive up to $5,000. The money is forgiven over 5 years. The program also helps with closing costs on a refinance, which is rare among employer benefits.
Eligibility and location
- Beaufort Memorial employee, nurse or other staff, with at least 6 months of service.
- Home within 15 miles of a campus or practice (Beaufort and Jasper counties).
- Income up to 200% AMI.
No first-time requirement is listed.
The FHA restriction
If your first mortgage is FHA, the funds can pay closing costs only, not the down payment. That can change which loan makes the most sense. Our FHA vs. conventional vs. VA vs. USDA guide explains the trade-offs. Nurses may also fit SC Housing's Palmetto Heroes medical list when a round opens; whether the hospital funds pair with an SC Housing loan is not stated, so a participating lender confirms whether they combine.
Example: a nurse at 90% AMI using a conventional loan could apply up to $10,000 toward the down payment. The same nurse using FHA could apply it only to closing costs, and would cover the 3.5% FHA down payment another way. Staff between 100% and 200% AMI get $5,000 either way. Leaving the job before 5 years may affect forgiveness, so ask CommunityWorks how that is handled. The 15-mile radius covers much of Beaufort and Jasper counties.
Because no first-time requirement is listed, staff who already own a home and want to move closer to work may want to ask CommunityWorks whether they qualify. The refinance closing-cost help is another option for those who already own nearby. Ask HR whether your hire date already clears the 6-month mark.
How to apply
- Confirm 6 months of service with HR.
- Check that the home is within 15 miles of a campus or practice.
- Choose a loan type with the FHA rule in mind.
- Apply through CommunityWorks.
See Beaufort County, medical professional eligibility, or check eligibility.
Questions about Beaufort Memorial Employer Assisted Housing Program
How much can a Beaufort Memorial nurse get?
Up to $10,000 at or below 100% AMI, or $5,000 between 100% and 200% AMI.
Can I use it with an FHA loan?
Yes, but with FHA the funds can only cover closing costs.
Does it help with refinancing?
Yes. The program also offers refinance closing-cost help.
Ask whether I qualify for this program
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Our account follows the official program page as of November 2026. Funds and rules can change, so please confirm the present terms with the program or a participating lender. South Carolina Down Payment Assistance has no connection with this program.
