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Down Payment Loan Program

Quick answer

Down Payment Loan Program is a Hawaii down payment assistance program from City and County of Honolulu Department of Community Services. It provides $40,000 as a repayable second mortgage. Eligibility, income limits and funding are set by the agency, so confirm current terms on its official page.

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

Eligibility notes

0% interest loan amortized over 20 years (~$166.67/mo), HOME-funded; applicant must not own a primary residence. First-come first-served; brochure revised 07/2026. Covers all of Oahu (consolidated city-county).

Where does Down Payment Loan Program apply?

This county-level program is available to buyers in Honolulu County. Cities on our site where it applies:

DetailProgram terms
Assistance$40,000
TypeRepayable second mortgage
Minimum creditNot published on the program page
First-time buyerSee official page
Income limits$86,250 (1 person) to $123,200 (4 persons) to $182,336 (10 persons)

How does Down Payment Loan Program work with an FHA loan?

Hawaii's 2026 FHA one-unit limits start at $586,500, which supports a price of about $607,000 with 3.5% down.

Where do I confirm current terms?

On the official page: https://www.honolulu.gov/dcs/wp-content/uploads/sites/24/2026/07/DCS-8499664-DPL-Brochure-2026-2.pdf. Programs can pause when funds run out, so confirm availability with a participating lender.

← All Hawaii down payment assistance programs

Frequently asked questions

$40,000, according to City and County of Honolulu Department of Community Services.

Yes — it's a second mortgage with its own repayment terms.

$86,250 (1 person) to $123,200 (4 persons) to $182,336 (10 persons)

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.