Grants, forgivable loans, and subsidized mortgages — many Hawaii buyers qualify for thousands+ in assistance and don't even know it.
Find your programs →Click any program for full details, eligibility, and how to apply.
Down payment and closing cost assistance for eligible buyers in Hawaii. Pairs with HHFDC mortgage.
DPA programBelow-market 30-year fixed rate for first-time buyers in Hawaii. FHA, VA, conventional eligible.
Subsidized loan3.5% down payment with 580+ credit. The most popular first-time buyer loan in America.
Subsidized loanHouse-hack eligibleZero down payment, no PMI for eligible veterans and active-duty service members.
Federal benefitHouse-hack eligibleZero down payment for rural and suburban areas. 97% of US land qualifies.
Subsidized loan3% down with reduced mortgage insurance for low-to-moderate income buyers.
Subsidized loanHouse-hack eligible3% down with flexible funding sources including gifts and employer assistance.
Subsidized loanHouse-hack eligibleNo down payment, no closing costs, no PMI, below-market rate. Character-based lending.
Nonprofit programHouse-hack eligible50% off purchase price for teachers, law enforcement, firefighters, and EMTs.
GrantThere are 2 state-specific programs and 7 federal programs available in Hawaii, totaling 9 programs.
Not all programs require first-time buyer status. Several Hawaii programs are available to repeat buyers. 'First-time buyer' means you haven't owned a home in the past 3 years.
Yes. Many DPA programs allow 1-4 unit properties. Live in one unit and rent the others — this is called house-hacking.