Housing Choice Vouchers:
Home Ownership Program

Enacted in the year 2000, the Housing Choice Voucher Home Ownership Program provides assistance to eligible families interested in purchasing a dwelling unit to be occupied by the tenant family.


  • Must be eligible for Housing Choice Voucher (HCV) assistance by meeting all of the general requirements for admission to the HCV Program;
  • Must be a “first-time” home buyer (i.e., family may not include any person who has had an “ownership interest” in a residence in the last three (3) years; neither the head-of-household nor spouse has defaulted on a mortgage obtained through the Home Ownership Program);
  • Must have a household income of no less than what is equal to 2000 hours of annual, full-time (not less than 30 hours per week) employment of the Federal minimum wage;
  • Must have an adult member currently employed on a full-time basis and who has been continuously employed for at least one year prior to the commencement of home ownership assistance (NOTE: This requirement is not applicable to “elderly” or “disabled” families);
  • Must complete a pre-assistance home ownership counseling program established by CHA or a HUD-approved counseling agency;
  • Must be able to pay a minimum of a three (3) percent down payment, with a minimum of one (1) percent coming from the family’s own resources.


  • Existing housing only;
  • Must be located within CHA’s jurisdiction (unless the family qualifies for portability);
  • Must be able to pass an initial Housing Quality Standards (HQS) inspection by CHA;
  • Must be inspected by a professional, independent, inspector (at the family’s expense).

The amount of home ownership assistance will be calculated using a modified Voucher Payment Standard approach. Housing Choice Voucher Home Ownership assistance may be paid for a period of up to fifteen (15) years for mortgages of twenty (20) years or longer and up to ten (10) years for mortgages of less than twenty years. (NOTE: These limitations do not apply to “elderly” or “disabled” families)

Go to Home Ownership FAQs page



For more information CONTACT:


A message from our President/Chief Executive Officer:

The Housing Authority of the City of Charleston was born of action on December 18, 1934 by a vote of the Charleston City Council. However, the actual permission for such a "creation" came via statute in the South Carolina General Assembly in March of 1934.

We have come a long way in our society, our City and our personal relationships. Nevertheless, the need for Public housing still exists today. We have so much more to do before we can truly say, the job is done.

Donald J. Cameron
President/Chief Executive Officer
Housing Authority of the City of Charleston