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City and County of Honolulu Down Payment Loan Program
51 Merchant Street, Honolulu, HI 96817
City and County of Honolulu's Department of Community Services is now accepting pre-eligibility inquiries for home loans up to $40,000.
Families earning up to 80% of Honolulu’s area median income can qualify. Loans will be awarded on a first-come, first-served basis to qualified Oʻahu residents.
Step 1 – If you appear eligible, the lender will be asked to list the City's Down Payment loan of $40,000 (or less) as "subordinate financing" on your Uniform Residental Loan Application (commonly referred to as a Fannie Mae Form 1003 or Freddie Mac Form 65).
Step 2 – After initial loan approval from your first mortgage lender, the lender will be asked to submit electronic copies of your loan application and supporting documents to the City. The City will use copies of the lender's finalized loan forms and supporting documentation to approve the Down Payment loan.
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Department of Hawaiian Home Lands - Maui
655 Kaumualii Street, 1, Wailuku, HI 96793
Offers assistance in new home construction and home repair loans, homestead leases to qualified native Hawaiian applicants. Assists in development of farms and ranches.
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Rural Development
210 Imi Kala Street, 206, Wailuku, HI 96793
Provides loans for existing homes, construction of new homes and repairs. Provides loans for community facilities. Offers home repair grants to senior citizens.
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Department of Hawaiian Home Lands - Kauai
3060 Eiwa Street, 203, Lihue, HI 96766
Offers assistance in new home construction and home repair loans, homestead leases to qualified native Hawaiian applicants. Assists in development of farms and ranches.
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Employees' Retirement System
201 Merchant Street, 1400, Honolulu, HI 96813
(Employees Retirement System) Administers pension plan for state-county government employees. Offers residential mortgage loan program for members and pensioners. Accepts volunteers to perform general office duties.
Homestead Services Division
91-5420 Kapolei Parkway, Kapolei, HI 96707
The Homestead Services Division is involved in the direct servicing of homestead lessees and applicants for homestead leases. the Loan Services Branch, which provides financial services for financing for new home construction, replacement homes, home repairs, farming, and ranching; provides access to other loan sources through its loan guaranty program; and undertakes collection activities to obtain payments. Call for more information.
Additional phone numbers:
(808) 620-9220 Homestead Applications
(808) 620-9240 Loan Services
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Rural Development
154 Waianuenue Avenue, 311, Hilo, HI 96720
Provides loans and loan guarantee for existing homes, construction of new homes and repairs. Provides loans for community facilities and loan guarantee for eligible rural businesses. Offers home repair grants to senior citizens.
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Affordable Housing Loans
Homeowner Assistance Loans are available to help Native Hawaiian first-time homebuyers purchase land, pay for septic systems, homesites, construction, or down payment and closing costs.
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Affordable Housing Loans
Homeowner Assistance Loans are available to help Native Hawaiian first-time homebuyers purchase land, pay for septic systems, homesites, construction, or down payment and closing costs.
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Department of Hawaiian Home Lands - East Hawaii
160 Baker Avenue, Hilo, HI 96720
Manages lands held in trust for Hawaiians. Offers assistance in new home construction and home repair loans, homestead leases to qualified native Hawaiian applicants.
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Department of Hawaiian Home Lands - West Hawaii
64-756 Mamalahoa Highway, Kamuela, HI 96743
Offers assistance in new home construction and home repair loans, homestead leases to qualified native Hawaiian applicants. . Assists in development of farms and ranches. Call for more information.
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Rural Development
One Kaunakakai Place, Kokua Center Suite 4, Kaunakakai, HI 96748
Provides loans for existing homes, construction of new homes and repairs. Provides loans and grants for community facilities, infrastructure and businesses. Offers home repair grants to senior citizens.
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Affordable Housing Loans
Homeowner Assistance Loans are available to help Native Hawaiian first-time homebuyers purchase land, pay for septic systems, homesites, construction, or down payment and closing costs.
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Department of Hawaiian Home Lands - Molokai
Kaunakakai, HI 96748
Offers assistance in new home construction and home repair loans, homestead leases to qualified native Hawaiian applicants. Assists in development of farms and ranches.
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