Lending LHT has assisted in financing the development of more than 852 affordable housing units representing $121M in local community development investments. Business Loans The Lowcountry Housing Trust provides loans to owners of multi-family and single family rental properties for energy efficient improvements that render the units a minimum of 20% more energy efficient after rehabilitation. Learn More > Development Loans Since 2004, LHT has provided 219 loans to developers totaling $13.7 million that were leveraged to provide $121 million in community development investments in the Lowcountry; this funding created 2,757 jobs and provided safe, affordable housing to 2,130 individuals in need. Learn More > Down Payment Loans Since 2005, LHT has committed $2.6 million in affordable housing financing to aid 100 Lowcountry residents that leveraged $22,552,935 toward the purchase of homes through its Homebuyer Assistance program. Learn More > Impact Fee Discounts The purpose of the Charleston Water Affordable Housing Incentive Program is to provide private and public sector builders and developers with regulatory and financial incentives to produce "Affordable Housing" in the Charleston tri-county area. This program will lower barriers to affordable housing production by deferring and reducing... Learn More > Housing Subsidy The Lowcountry Housing Trust may provide forgivable subordinate mortgage loans when a project cannot support enough debt to fully cover the production cost to make the project feasible. Learn More > Applications Begin the application process for a Lowcountry Housing Trust development loan today by downloading our easy form based application in Microsoft Word and financial spreadsheets in Microsoft Excel. Learn More > Procedures The Lowcountry Housing Trust aims to be a flexible funding source and strives to expedite and streamline the application, review, and funding process. However, we take seriously the need to conscientiously underwrite projects and to follow all legal and administrative procedures deemed necessary to secure our financial interests,... Learn More >