From plan to keys

Your buyer’s journey

The documents, costs and timing behind your advisor’s next steps — from getting ready to owning a home in Hawaiʻi.

AI homebuyer advisor 0 of 8 milestones checked

Step 1 of 8Before applying

Get your finances ready

Advisor step: Review your budget and prepare for a lender conversation

Documents to prepare

Household budget and recurring debt payments
Recent pay stubs, W-2s and tax returns requested by your lender
Bank statements and records of other income

Timing

Start now; readiness depends on your savings, credit and household needs.

Fees & cash to plan for

No fee to organize your budget. Ask the lender which records and reporting periods it needs.

Before you move on

Keep original records in your own secure folder; give sensitive documents only to a verified lender or program.

CFPB: prepare your documents

Budget & payment tools

Assistance along the way

Your program links

Programs for your island plus statewide options. These are resources to review, not confirmation that you qualify.

Island

Verify current availability with the program. Ask for its document checklist, fees, processing time and funding-reservation deadline. No program-specific fee or approval timeline is assumed here.

16 programs to review

Verify with programStatewide

HHFDC Hale Kamaʻāina Mortgage Program

A 30-year fixed-rate mortgage with optional down-payment assistance for qualified buyers, offered through participating lenders.

Education: Verify with program
Repayment & conditions: The optional down-payment second mortgage has its own separate repayment terms — review them with a participating lender.

Hawaiʻi Housing Finance & Development Corp. (HHFDC) · Last verified: Not yet verified

Official program source

Verify with programStatewide

Hawaiʻi HomeOwnership Center (HHOC)

Homebuyer education, one-on-one counseling, coaching and financing resources.

Education: This is an education provider
Repayment & conditions: Not applicable for education services

Hawaiʻi HomeOwnership Center · Last verified: Not yet verified

Official program source

Verify with programStatewide

HHOC Mortgage

Financing and assistance products offered through HHOC's lending affiliate.

Education: Verify with program
Repayment & conditions: Varies by product

Hawaiʻi HomeOwnership Center · Last verified: Not yet verified

Official program source

Verify with programStatewide

Hawaiian Community Assets

Homebuyer education, financial counseling and coaching.

Education: This is an education provider
Repayment & conditions: Not applicable for education services

Hawaiian Community Assets · Last verified: Not yet verified

Official program source

Verify with programStatewide

OHA Access to Home Ownership (AHO)

A Native Hawaiian-focused program that supports mortgages through deposits with partner lenders. It is not a cash grant and does not pay your down payment directly.

Education: Verify with program
Repayment & conditions: Verify with program

Office of Hawaiian Affairs · Last verified: Not yet verified

Official program source

Verify with programStatewide

DHHL / NAHASDA Homeownership Resources

Separate resources for Department of Hawaiian Home Lands beneficiaries and eligible homes on Hawaiian Home Lands.

Education: Verify with program
Repayment & conditions: Verify with program

Department of Hawaiian Home Lands · Last verified: Not yet verified

Official program source

Verify with programStatewide

Federal Loan Options: Conventional, FHA, VA & USDA

Conventional loans come from private lenders. FHA loans are federally insured and allow smaller down payments. VA loans serve eligible veterans and service members. USDA loans serve eligible rural areas and incomes.

Education: Some programs require it
Repayment & conditions: Standard mortgage repayment

CFPB · HUD · VA · USDA · Last verified: Not yet verified

Official program source

Verify with programOʻahu

City & County of Honolulu Down Payment Loan

A 0% second mortgage to help eligible first-time buyers with the down payment.

Education: Verify with program
Repayment & conditions: 0% second mortgage — confirm repayment terms on the official page

City & County of Honolulu, Dept. of Community Services · Last verified: Not yet verified

Official program source

Verify with programOʻahu

Honolulu DHLM Project Portfolio & Public Notices

The City's Department of Housing and Land Management project portfolio and public notices.

Education: Confirm certificate requirements with the program.
Repayment & conditions: Ask the program about repayment, occupancy and resale conditions.

City & County of Honolulu DHLM · Last verified: Not yet verified

Official program source

Verify with programHawaiʻi Island

OHCD Homeownership Option Program

Helps qualifying current Housing Choice Voucher participants work toward owning a home.

Education: Verify with program
Repayment & conditions: Verify with program

Hawaiʻi County OHCD · Last verified: Not yet verified

Official program source

Verify with programHawaiʻi Island

Hawaiʻi County Office of Housing & Community Development

County housing programs, affordable housing information and community development.

Education: Confirm certificate requirements with the program.
Repayment & conditions: Ask the program about repayment, occupancy and resale conditions.

Hawaiʻi County OHCD · Last verified: Not yet verified

Official program source

Verify with programHawaiʻi Island

HALE o Hawaiʻi Community Land Trust

You buy the home while the land stays with the trust under a long-term ground lease. This keeps prices lower, and resale restrictions may apply.

Education: Verify with program
Repayment & conditions: Verify with program

HALE o Hawaiʻi · Last verified: Not yet verified

Official program source

Verify with programMaui County

Maui County First Time Homebuyers Program

Maui County's first-time homebuyer program and its Affordable Housing Dashboard.

Education: Verify with program
Repayment & conditions: Verify with program

County of Maui, Housing Programs Division · Last verified: Not yet verified

Official program source

ClosedMaui County

Hoʻokumu Hou First-Time Homebuyer Opportunity Program

A Maui County first-time homebuyer opportunity program.

Education: Verify with program
Repayment & conditions: Verify with program

County of Maui · Last verified: Not yet verified

Official program source

Verify with programKauaʻi

Kauaʻi Resident Homebuyer List

Gives notice of future County and qualifying private affordable for-sale opportunities.

Education: Required
Repayment & conditions: Not a loan

Kauaʻi County Housing Agency · Last verified: Not yet verified

Official program source

Verify with programKauaʻi

Kauaʻi Home Buyer Loan Program

A County home buyer loan program, if funding is available.

Education: Verify with program
Repayment & conditions: Verify with program

Kauaʻi County Housing Agency · Last verified: Not yet verified

Official program source

Full program directory

Educational guidance only, not a loan approval or eligibility decision. Your lender, signed contract and program rules control actual documents, costs and dates. Business-day rules can differ by disclosure; confirm the schedule with your lender.