Help to buy in Hawaii
Home-buying assistance programs in Hawaii
2 official programs for down payment and closing cost help in Hawaii, from Hawaiʻi Housing Finance & Development Corporation and City and County of Honolulu Department of Community Services. We show what each program says on its own page, with the date we checked it.
Key numbers in Hawaii
- Verified programs
- 2
- from Hawaiʻi Housing Finance & Development Corporation and City and County of Honolulu Department of Community Services
- First-time buyers only
- 2
- all require a first-time buyer
- Accept an ITIN
- 0
- per their own site · no: 0 · unconfirmed: 2
- Last checked
- November 5, 2026
- against each program’s official page
How to read the list
Not all help is the same
Amounts, limits and funding change: confirm with a participating lender.
Before you compare amounts, look at the kind of help: it changes what you pay later. These are the kinds the programs on this page use.
On ITIN, each card says what the program itself publishes: yes, no, or not confirmed on its site.
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Type not stated
The source does not say the type of help
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Repayable
Second loan with monthly payments
The full list
Programs in Hawaii
Filter by who qualifies, by ITIN or by kind of help. Each card quotes the source and the date we checked it.
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- Type not stated
Hawaii state corporation 30-year fixed mortgage for first-time buyers, with optional down payment assistance whose terms the agency has not yet published
What it gives, per the source
Designed for first-time homebuyers, qualified borrowers may receive competitive fixed rate 30-year mortgage financing. … The Mortgage Loan terms include a competitive fixed interest rate for 30 years. The interest rate is targeted to be at least 50 basis points below market. … When amendments to the administrative rules are completed, the updated Second Mortgage Loan Terms will be available here.
- First-time buyer?
- First-time buyers only
- Accepts ITIN?
- Its site does not confirm
Run by Hawaiʻi Housing Finance & Development Corporation (HHFDC)
Verified November 5, 2026
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Down Payment Loan Program
Only in: Honolulu County
- Repayable
City and County of Honolulu loan, with federal HOME funds, of up to $40,000 at 0% and with no fees, for the down payment only, repaid over 20 years; for first-time buyers on Oʻahu with incomes up to 80% of the area median who put down at least 5% of the price
What it gives, per the source
It provides down payment assistance with a $40,000, 0% interest rate loan. Borrowers are required to contribute a minimum of 5% of the sales price. … This 2nd mortgage loan must be used as additional down payment towards the sales price. It cannot be used for any other purpose related to the purchase transaction. … Borrowers may be eligible for Owner Occupancy Credit up to $20,000 after completion of the 10 year affordability period as stated in the HOME Program Recapture Agreement.
- First-time buyer?
- First-time buyers only
- Accepts ITIN?
- Its site does not confirm
Run by City and County of Honolulu Department of Community Services (DCS)
Verified November 5, 2026
No program matches your search.
Help to repair your home
Repair programs in Hawaii
One program we checked in Hawaii to repair your home or make it more efficient, with what its page says.
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Weatherization Assistance Program (WAP)
Run by Hawaii Office of Community Services (OCS)
Hawaii weatherization program: upgrades that cut energy use in low-income homes, through local agencies
Your county
Price and income limits depend on the county. Your county page has the typical value, the FHA limit and the counseling agencies that can walk you through the application.
Frequently asked questions
What is down payment assistance?
Money from a public or nonprofit program for the down payment or closing costs. It can be a grant you never repay, a second loan forgiven if you stay in the home for some years, a second loan repaid when you sell or refinance, or a tax credit (MCC) that lowers your federal taxes.
Do I need to be a first-time buyer in Hawaii?
Of the 2 programs on this page, all require it. In general, “first-time buyer” means not having owned a home in the last three years.
Can I use these programs with an ITIN?
What each program’s own site says: accept an ITIN, 0; do not accept one, 0; not confirmed on its site, 2. Ask the participating lender directly before you start, and ask for it in writing.