Down Payment Assistance Loan (DPAL) Program
Repayable second loan · New construction · Income limits · First-time
Down payment assistance · Hawaii
Buying a home in Hawaii
13 programs: 8 statewide, the rest run by counties and 1 city. What you can use depends on where the home is.13 programs across Hawaii: 8 statewide, the rest run by counties and 1 city. What you can use depends on where the home is.
Free · No SSN · No credit pull
Start with your county
Local help, prices and income limits differ county to county
- Maui2 local programs · $904,700 · AMI $121,400
- Hawaii1 local program · $519,300 · AMI $98,300
- Honolulu1 local program · $897,500 · AMI $133,400
- Kauai1 local program · $873,200 · AMI $120,100
- All 5 counties
Home values: Census ACS 2024 5-year. Income: HUD FY2026. Programs: Hey Prescott, verified July 2026.
Anywhere in Hawaii
8 statewide programs
Mortgage Booster Program
Repayable second loan · New construction · Income limits · First-time
Deferred Closing Costs Assistance Loan
Deferred second loan · New construction · Income limits · First-time
Plus 62 nationwide programs. See them See nationwide programs
Free help from a person
19 HUD-approved counseling agencies in Hawaii19 HUD-approved housing counseling agencies in Hawaii
7 of the 8 statewide programs ask for a homebuyer class first. Create a free account to see who’s near you.7 of the 8 statewide programs ask for a homebuyer class first. Create a free account, take the 90-second match, and we’ll show the counselors near you.
Find my counselor
Free account → 90-second match → your counselors
Income limitsIncome limits and price caps in HawaiiArea median income for all 5 counties, and the limit each program sets.See the limits
Hawaii questions
What is Down Payment Assistance Loan (DPAL) Program?
Down Payment Assistance Loan (DPAL) Program, a repayable second loan for first-time homebuyers (new construction, income limits), open anywhere in Hawaii. Its page has the details and a link to the official site.
Which Hawaii counties run their own programs?
4 counties of 5 have a county or city program listed, among them Maui, Hawaii, Honolulu and Kauai. The table above lists them, and each county page has its own programs.
Do I need a homebuyer class in Hawaii?
Many programs ask for one. 7 of the 8 statewide programs list a homebuyer education requirement. HUD-approved housing counseling agencies teach them, often for free.
Can I use assistance on a Hawaii condo?
6 of the 8 statewide programs list condos as eligible. Each program’s page lists the kinds of homes it accepts.