Skip to Content

Hawaii Low Income Home Loans & Programs

Hawaii Low Income Home Loans & Programs

If you want to buy a house with low income in Hawaii, there is help available to you! There are many programs that will assist you with tax reductions, down payment assistance and so much more!


Since there are several different types of assistance for low income home buyers in Hawaii, we’ve tried to organize this list by type as much as possible.

Help for Native Hawaiian Home Buyers

Alu Like Inc. provides help for Natives of Hawai’i who want to purchase homes. This agency also provides assistance with businesses, employment, libraries, childcare, education and other needs of Native Islanders.

Nānākuli Housing Corporation (NHC) is a non-profit organization dedicated to helping Native Hawaiians obtain affordable housing. They provide homebuyer education, post homeownership training, self-help home repair, foreclosure prevention and more. 

Section 184A Native Hawaiian Home Loan Guarantee Program provides special home loan guarantees for Native Hawaiians who want to purchase single family homes on designated “Hawaiian homelands” areas. Get the details on this unique program!


Resources for Homebuyers in Hawaii

Hawaiian Community Assets provides financial, pre-purchase and post-purchase counseling for homeowners. They’ll help you learn how to become financially qualified to purchase a home and how to be a successful homeowner after the purchase.

Hula Mae is a special loan program for low income residents of Hawaii. To qualify, you must meet certain income criteria and other requirements.

Self-Help Housing Corporation of Hawaii helps low income Hawaiian families build their own homes. They’ve helped over 600 low and very low income households build their own homes on Oahu, Kauai, Maui and Molokai. Find out how this program works here.

Get extra help from these Hawaii communities!

Honolulu offers several types of programs for homeowners who want to purchase a property on Oahu. For prospective buyers, they have a down payment assistance program that can provide up to $40,000 in a zero-interest secondary loan. After you purchase your home, you may be able to receive assistance with solar upgrades, home repair and more!

Kaua’i County provides low-cost loans for first time home buyers who earn less than 80% of the Kaua’i Median Household Income (KMHI). The maximum loan amounts are $450,000 for a primary loan or $150,000 for a gap mortgage. The property must be located on the island of Kaua’i and outside the FIRM 100-year flood boundary.

Maui County provides a first time home buyer program also. However, the details on their website are not easy to find. I encourage you to contact the Housing Administration at 35 Lunalilo St in Wailuku for more information.

Get more FREE stuff in Hawaii!