Helping Home Buyers In Greenville County

Assistance for Those Looking to Purchase a Home

Owning a home is possible, and GCRA can help you achieve that dream. GCRA works hard to build affordable housing so everyone has the chance to live comfortably. We build homes throughout Greenville County in areas such as the Brutontown community, the City of Greer, and Slater-Marietta.

PRESS RELEASE – GCRA and the City of Greer have partnered to bring new affordable homeownership opportunities to the Upstate by way of 33 townhomes, the first phase of which is well underway at 503 E. Fairview Avenue.

  • Click here to read the full press release from Craig Gaulden Davis on behalf of GCRA.
  • Click here to read the Greenville Journal article about the Fairview Townhomes development.

First Time Home Buyers

If you are a first-time home buyer, you might qualify to buy an energy-efficient, affordable GCRA home. If you are interested in purchasing a GCRA home, please review the qualifications below and follow the application steps.

You May Qualify If You:

  • Pass a SLED background check to verify eligibility (please note that a $30 fee will be charged for each household member aged 18 or older to cover the SLED check)
  • Have good credit (If you’ve filed for bankruptcy you must wait two years before applying)
  • Have a good rental history for at least 12 months
  • Have a stable income
  • Have a good employment history
  • Have the ability to pay 1% of the purchase price as earnest money
  • Meet the income requirements:

Greenville County Limits:

Number in Household Maximum Income
1 $49,650
2 $56,750
3 $63,850
4 $70,900
5 $76,600
6 $82,250
7 $87,950
8 $93,600

 

Spartanburg County Limits:

Number in Household Maximum Income
1 $42,150
2 $48,150
3 $54,150
4 $60,150
5 $65,000
6 $69,800
7 $74,600
8 $79,400

 

Laurens County Limits:

Number in Household Maximum Income
1 $39,050
2 $44,600
3 $50,200
4 $55,750
5 $60,250
6 $64,700
7 $69,150
8 $73,600

All are as approved by the US Department of Housing and Urban Development (HUD), Effective June 1, 2024.  (Income limits published annually by HUD)

How to Apply

If you meet the qualifications and want to apply for a GCRA house, follow the application process below.

1. Contact GCRA staff (info below), who will help you to begin the process.  Along the way we will make sure all of your questions are answered.

2. Attend the Homebuyer Education Class taught by the Greenville County Human Relations Commission. Classes are taught in English or Spanish.
(Please note: the certificate obtained via successful completion of the class is valid for one year.)

Down Payment Assistance

Owning a home is a big financial commitment, which is why it can be helpful to find help with down payment costs. Feel free to reach out to us for information on currently-available down payment assistance programs.

You May Qualify If You:

  • Are a first-time home buyer
  • Have stable income
  • Secure a 30 year, fixed-rate first mortgage
  • Complete an application process

Available Homes

GCRA works hard to build safe and affordable homes for all types of home buyers. Buying a GCRA home means:

  • A personalized buying experience
  • Value-added construction
  • Certified energy-efficient homes
  • Low-maintenance exteriors
  • One-year warranty on all new homes
  • Some neighborhoods have street lights, maintained sidewalks, public parks, and community centers

View Available Homes

Please contact Joe Smith, Operations Director, for more information about GCRA homes by calling (864) 242-9801, ext. 117 or emailing him at jsmith@gcra-sc.org.

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Looking to Rent?

GCRA also provides rental housing. Click Here to see what is currently available.