Source: Hawaiian Community Assets · Last verified: Not yet verifiedOfficial page
Verify with programStatewide· 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.
Source: Department of Hawaiian Home Lands · Last verified: Not yet verifiedOfficial page
Verify with programStatewide· 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 verifiedOfficial page
Verify with programOʻahu· 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
Source: County of Maui, Housing Programs Division · Last verified: Not yet verifiedOfficial page
ClosedMaui County· Homebuyer opportunity
Hoʻokumu Hou First-Time Homebuyer Opportunity Program
A Maui County first-time homebuyer opportunity program.
Who may qualify
See the official program page.
Max assistance
Verify with program
Repayment
Verify with program
Education
Verify with program
Income limit
Verify with program
Owner-occupied
Verify with program
The application period is closed. It is not currently accepting applicants unless the County officially reopens it — check the official page for updates.
Source: Kauaʻi County Housing Agency · Last verified: Not yet verifiedOfficial page
We never promise that a buyer or property will qualify, or that funding is available. Program details come from official sources and may change without notice.
