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HawaiiFirst-Time Homeowner programs

First-Time Homeowner grants in Hawaii

Browse first-time homeowner grants available in Hawaii, including statewide and local programs.

5 active programs in Hawaii

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Latest opportunities (5)

Honolulu’s Down Payment Loan Program provides up to $40,000 in 0% interest assistance so low- and moderate-income first-time buyers can meet lender down-payment requirements and qualify for a mortgage.

Eligible for: Prospective homebuyers who do not currently own a primary residence, whose household income is under published limits, who secure a first-mo…

Deadline: Rolling, first-come first-served while HOME funds are availableCity

Statewide program offering below-market 30-year mortgages plus a 4% second-mortgage DPA option to help Hawaiʻi first-time buyers bridge their down payment gap.

Eligible for: First-time homebuyers who are U.S. citizens or resident aliens, bona fide Hawaiʻi residents, at least 18, within county income and purchase …

Funding: 30-year fixed-rate mortgage financing for first-time homebuyers with optional down payment assistance loan; DPA is a second mortgage at 1% simple interest, due at sale/refinance/maturity.Deadline: Rolling, subject to bond funding and program availabilityRollingStatewideIndividualAffordable mortgageDown payment assistance

Official brochure detailing Honolulu’s 0% Down Payment Loan Program, which offers up to $40,000 in HOME-funded assistance to help first-time buyers cover down payment requirements.

Eligible for: Income-qualified households who do not own a primary residential property, stay under the program’s household income limits, complete approv…

Funding: Down payment or rehabilitation loan available to income-qualified owner-occupant homebuyers / homeowners in Honolulu; terms depend on household income and program category.Deadline: Rolling; loans made on a first-come, first-served basis while funding lastsCityIndividualDown payment assistanceRehabilitation loanClosing cost assistance

Kauaʻi’s Home Buyer Loan Program offers low-cost loans to qualified first-time buyers meeting Kauaʻi Median Household Income limits, pairing required homebuyer education with affordable financing for primary residences on the island.

Eligible for: First-time homebuyers who are U.S. citizens or resident aliens, at least 18, Kauaʻi residents or given preference as such, within Kauaʻi Med…

Funding: Low-cost mortgage financing (Primary or GAP loan) for income-eligible first-time homebuyers on Kauai; includes low interest rate and reduced closing costs.Deadline: Rolling and contingent on funding availabilityIslandIndividualAffordable mortgageClosing cost reductionGap financing

Maui County’s First-Time Home Buyer’s Down Payment Assistance Program provides grant assistance up to $30,000 or 5% of the purchase price to help low- to above-moderate income first-time buyers cover down payment and closing costs on eligible properties in the county.

Eligible for: First-time homebuyers who are County of Maui residents at time of application, U.S. citizens or resident aliens, at least 18, with household…

Funding: Loan or subsidy assistance (details vary) for income-eligible first-time homebuyers in Maui County under the First-Time Home Buyers Program.Deadline: Applications accepted only during announced application periods; awards made via lottery and subject to available fundsUntil funds exhaustedCountyIndividualAffordable mortgageDown payment assistanceClosing cost assistance