Oʻahu · Down payment loan
City & County of Honolulu Down Payment Loan A 0% second mortgage to help eligible first-time buyers with the down payment.
Who may qualify Eligible first-time buyers with household income up to 80% of Oʻahu AMI. Borrower contribution requirements apply.
Max assistance $40,000
Repayment 0% second mortgage — confirm repayment terms on the official page
Education Verify with program
Income limit Up to 80% AMI (Oʻahu)
Owner-occupied Required City DCS Loan Program.
Verify current availability with the program.
Source: City & County of Honolulu, Dept. of Community Services · Last verified: Not yet verified Official page Oʻahu · Housing projects & notices
Honolulu DHLM Project Portfolio & Public Notices The City's Department of Housing and Land Management project portfolio and public notices.
Who may qualify Varies by project.
Income limit Varies by project Verify current availability with the program.
Source: City & County of Honolulu DHLM · Last verified: Not yet verified Official page Statewide · Mortgage + optional down payment help
HHFDC Hale Kamaʻāina Mortgage Program A 30-year fixed-rate mortgage with optional down-payment assistance for qualified buyers, offered through participating lenders.
Who may qualify Qualified buyers who meet current program income and purchase price limits.
Max assistance Verify current terms with HHFDC
Repayment The optional down-payment second mortgage has its own separate repayment terms — review them with a participating lender.
Education Verify with program
Income limit Program income limits apply — see official page
Owner-occupied Required Check current eligibility, price limits and the participating lender list on the official page.
Verify current availability with the program.
Source: Hawaiʻi Housing Finance & Development Corp. (HHFDC) · Last verified: Not yet verified Official page Statewide · Education & counseling
Hawaiʻi HomeOwnership Center (HHOC) Homebuyer education, one-on-one counseling, coaching and financing resources.
Who may qualify Hawaiʻi residents preparing to buy a home.
Repayment Not applicable for education services
Education This is an education provider Verify current availability with the program.
Source: Hawaiʻi HomeOwnership Center · Last verified: Not yet verified Official page Statewide · Financing & assistance products
HHOC Mortgage Financing and assistance products offered through HHOC's lending affiliate.
Who may qualify Varies by product — confirm with HHOC.
Max assistance Verify with program
Repayment Varies by product
Education Verify with program
Income limit Varies by product Confirm available funds, terms and eligibility directly with HHOC.
Verify current availability with the program.
Source: Hawaiʻi HomeOwnership Center · Last verified: Not yet verified Official page Statewide · Education & counseling
Hawaiian Community Assets Homebuyer education, financial counseling and coaching.
Who may qualify Hawaiʻi residents, with a focus on Native Hawaiian and low- to moderate-income households.
Repayment Not applicable for education services
Education This is an education provider Verify current availability with the program.
Source: Hawaiian Community Assets · Last verified: Not yet verified Official page Statewide · Deposit-backed mortgage support
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.
Who may qualify Native Hawaiian buyers who meet program requirements.
Max assistance Verify with program
Repayment Verify with program
Education Verify with program
Income limit Verify with program
Owner-occupied Verify with program Verify current availability with the program.
Source: Office of Hawaiian Affairs · Last verified: Not yet verified Official page Statewide · Hawaiian Home Lands resources
DHHL / NAHASDA Homeownership Resources Separate resources for Department of Hawaiian Home Lands beneficiaries and eligible homes on Hawaiian Home Lands.
Who may qualify DHHL beneficiaries and eligible households on Hawaiian Home Lands.
Max assistance Verify with program
Repayment Verify with program
Education Verify with program
Income limit Verify with program
Owner-occupied Required DHHL Contact Center.
Verify current availability with the program.
Source: Department of Hawaiian Home Lands · Last verified: Not yet verified Official page Statewide · Loan types (education)
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.
Who may qualify Depends on the loan type, lender, buyer and property. No buyer or property is guaranteed to qualify.
Max assistance Varies
Repayment Standard mortgage repayment
Education Some programs require it
Owner-occupied FHA, VA and USDA require owner-occupancy Official sites: hud.gov/buying · va.gov/housing-assistance/home-loans · eligibility.sc.egov.usda.gov
Verify current availability with the program.
Source: CFPB · HUD · VA · USDA · Last verified: Not yet verified Official page 