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Hawaii Grants

There are many grants available in this State to assist a home buyer purchase a home. By using these grants it makes it possible to purchase a home with little or no money down. 

Below is a list of some of the grants available, as well as contact information for each. Some are State sponsored grants. Some are sponsored on the county or municipality level. 

Understand that many of these grants have limited funding, and most have income restrictions, so it is important to work with your mortgage lender and the non profit administering the grant program to ensure availability of funds. 

Bank Sponsored Matching Funds Programs
Community/local Sponsored Grants
Seller Funded Down Payment Assistance Programs

Bank Sponsored Matching Funds Programs 

Banks that are members of the Federal Home Loan Banking system also offer IDA savings accounts. Visit the Regional Federal Home Loan Bank web site for more information.

Community/local Sponsored Grants

Statewide Programs 
Alu Like, Inc.
458 Keawe Street
Honolulu, HI 96813
(808) 535-6721
Individual Development Savings Account for people of Hawaiian ancestry 

Department of Hawaiian Home Lands 
P. O. Box 1879
Honolulu, HI 96808
(808) 586-3834
Receives and maintains applications of native Hawaiians for residential, agricultural or pastoral lot leases 

Hawaiian Community Assets
655 Kaumualii Street
Wailuku, HI 96793
(808) 760-5100

Housing and Community Development Corporation of Hawaii 
677 Queen Street, #300
Honolulu, HI 96813
(808) 587-0597

Nanakuli Neighborhood Housing Services
P. O. Box 2158
Nanakuli, HI 96792
(808) 842-0770
Toll free from neighbor islands: 877-668-2077


Pacific Housing Assistance Corporation
677 Ala Moana Blvd., Suite 712
Honolulu, HI 96813
(808) 523-5681

Rent-to-Own Program - Tenney Village in Ewa 
Waimanalo Community Development Corporation
P. O. Box 634
Waimanalo, HI 96795
(808) 259-9558


County of Kauai Housing Agency 
4193 Hardy Street, Bldg. 2
Lihue, HI 96766
(808) 241-6449

Kauai Housing Development Corporation
2955 Aukele Street, #203
Lihue, HI 96766
(808) 245-5937
Home Loan Program for low to very low-income families and Native Hawaiians 

Maui Habitat for Humanity
256 Hina Avenue
Kahului, HI 96732
(808) 893-0334

Molokai Habitat for Humanity
P.O. Box 486
Hoolehua, HI 96729
(808) 567-6844

Hawaii Island 

Hawaii Island Community Development Corporation
99 Aupuni Street, Suite 104
Hilo, HI 96720
(808) 969-1158
Serving Hawaii County: Mutual Self-Help Housing for low to very-low income families 

Seller Funded Down Payment Assistance Programs

There are several non profit organizations that allow a seller to “donate” funds to them at closing, which is then given to the buyer as a down payment assistance grant. Presently, the federal government is reviewing these programs to determine whether this practice is an acceptable lending practice. By using one of these programs it is possible to purchase a home with little or no money. The seller needs to be a motivated seller, and the home needs to be priced correctly. Usually the sales price is inflated to cover the “donation”. The home must be able to appraise at the inflated price. These programs are initiated by the lender, so it is important to work with a local lender before you start looking for a home. The lender will also know how present legislation is affecting the program. The two most commonly used programs are The American Dream DAP and The Nehemiah DAP. Below are links to their web site.

American Dream:  http://www.americandreamdownpaymentassistance.com/dpa_app.cfm

Nehemiah Corp: