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Hawaii down payment assistance programs

Quick answer

Hawaii buyers can get down payment help from City and County of Honolulu Department of Community Services. Its Down Payment Loan Program offers $40,000. Most programs require using the agency's first mortgage, meeting income limits and completing homebuyer education. Details below come from the official agency site.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsPrograms last verified

What down payment assistance does Hawaii offer?

ProgramAmountTypeMin. creditFirst-time only?
Down Payment Loan Program$40,000Repayable second mortgageNot statedSee program

How do I apply for Hawaii down payment assistance?

  1. Find a participating lender approved by City and County of Honolulu Department of Community Services.
  2. Get pre-approved for the agency's first mortgage and confirm you meet income and price limits.
  3. Complete the required homebuyer education course.
  4. Your lender reserves the assistance when you go under contract.

Cities in Hawaii

HonoluluEast HonoluluHiloPearl CityWaipahuKailuaKaneoheMililani TownKahuluiEwa Gentry

Other states with verified programs

AlabamaArkansasCaliforniaColoradoConnecticutDelawareDistrict Of ColumbiaFloridaIdahoIllinois

Frequently asked questions

Down Payment Loan Program: $40,000.

Most verified programs here target first-time buyers or have eligibility exceptions; check each program's official page.

The agency sets credit requirements with its participating lenders; most require at least a 620–640 score.

Sources

Data last updated October 25, 2026.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.