Homeownership Opportunity Grants for Orangeburg County School District Employees

Palmetto Citizens has committed $250,000 to Orangeburg County School District teachers and staff to assist with the purchase of a home.

Palmetto Citizens began as an educators' credit union and over 87 years later, we're still committed to those roots and to the teachers and school employees serving students across our community.

We're excited to announce our Palmetto Citizens Homeownership Opportunity Grants for teachers and staff of Orangeburg County School District! We're committing $250,000 to OCSD employees to help cover the down payment and closing costs when they purchase a home. These grants will provide up to $15,000 to an OCSD employee when they finance a new mortgage with Palmetto Citizens.

Program Details

Orangeburg County School District logo

Palmetto Citizens Homeownership Opportunity Grants are available to current employees of Orangeburg County School District. Grants are for up to $15,000 per household for those who qualify. OCSD employees who are eligible for this program must:

  • Contribute a minimum of $1,000 at closing (may be a gift from a qualified donor source).
  • Have income less than or equal to 80% of the county area median income or the state median family income for the area, adjusted for family size as published annually by the Department of Housing and Urban Development (HUD), whichever is higher.
  • Complete a homebuyer counseling program provided by a PCFCU designated counseling provider.

Eligible property types for this program include owner occupied 1-4 family residences, townhomes, and condominiums.

Funds for this program are available on a first-come, first-served basis to those who qualify.

Apply Today

If you are an OCSD employee and looking to purchase a home, we invite you to apply for a Palmetto Citizens Homeownership Opportunity Grant today. To apply, or to learn more about this program, please contact Heidi Twardziak at (803) 255-2954 or .

In addition to this program, Palmetto Citizens also offers a variety of mortgage loans, including first and second mortgages, lot and land loans, manufactured home loans, home equity loans, construction loans, and renovation loans. Contact us today to learn more about any of our mortgage solutions.

*Palmetto Citizens Federal Credit Union (PCFCU) provides up to $15,000 in down payment, closing cost and principal reduction assistance for the purchase of a residential home by a currently employed by the Orangeburg County School District (OCSD). These funds are available on a first come first served basis. Fund availability is not guaranteed. Program eligibility is as follows but is not limited to: maximum funding per household of up to $15,000, homebuyer must contribute a minimum of $1,000; homebuyer income is less or equal to 80% of the county area median income or the state median family income for the area, adjusted for family size as published annually by the Department of Housing and Urban Development (HUD), whichever is higher; completion of a homebuyer counseling program provided by a PCFCU designated counseling provider. The following property types are eligible: owner occupied 1-4 family residences, townhomes, and condominiums. Funds are subject to a 5-year retention period and borrowers will sign the AHP Homeownership Set aside Program note and security instrument.