Homebuyer Loan Program
Assistance grant · New construction · Income limit 140% of AMI
Single-family detached, condominium, townhouse - primary residence in Kauai County
See details Jun 2026
Down payment assistance · Hawaii
Buying a home in Kauai County, HI
1 county-wide program, plus 8 statewide and 62 nationwide.Kauai has 1 program that covers the whole county. On top of those, 8 statewide and 62 nationwide programs are open here. Start with your city or ZIP to see which apply to the home you want.
Free · No credit pull · No SSN
Anywhere in KauaiAnywhere in Kauai County
1 program for every Kauai address1 program that covers every Kauai address
It is for first-time homebuyers and ask for a homebuyer class.This is run for the whole county, so a home in Kapa‘a, Lihue or Wailua Homesteads can use it. It is for first-time homebuyers and ask for a homebuyer class.
AMI is HUD’s area median income for Kauai, adjusted for household size. Each program publishes its own dollar limits.
The Kauai marketThe Kauai housing market
Kinds of homes hereWhat kinds of homes are here, and what the programs accept
Kinds of homes in Kauai
- 69.3% single-familysingle-family
- 6.2% townhousetownhouse
- 6.9% 2–4 units2–4 units
- 17.4% 5+ unitscondo & apartment buildings (5+ units)
- 0.2% mobile & othermobile home & other
Condos count. The one county-wide program lists condos as eligible.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Kauai’s homes were built
pre-19401970s2020+
42.8%
of Kauai homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$120,100
HUD area median income, 4 people (FY2026)HUD area median income, Kauai County, 4-person household (FY2026)
$97,668
Median household income (ACS 2024 5-year)Median household income in Kauai (Census ACS 2024 5-year)
68.6%
of occupied homes are owner-occupied (Hawaii: 63%)
The two income figures measure different things. HUD’s area median income is the one programs use. 14 of the 71 programs here set their income limit as a share of Kauai County’s area median income, adjusted for household size. See the published limits for Kauai County
Free help in KauaiFree help in Kauai
3 HUD-approved counseling agencies with an office in the county3 HUD-approved housing counseling agencies with an office in Kauai County
Kauai’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Homebuyer Loan Program asks for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
Find my counselor
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Counted from HUD’s list of approved agencies: active offices whose ZIP code is in Kauai County.
18 cities and placesA to Z
All cities in Kauai CountyAll 18 cities and places in Kauai County
Kauai questions
Can I use a county program anywhere in Kauai?
The 1 county-wide program cover homes anywhere in the county. City programs are only for homes inside that city’s limits. Each agency sets its own rules, so confirm on the program’s official site.
Can I combine a county program with a city program?
Sometimes. Combining ("stacking") programs is set by each administering agency, and some do not allow a second program on the same home. Each program’s page links to the agency that can say.
What is the area median income in Kauai County?
HUD publishes it once a year; the 2026 four-person figure is shown above. Programs set their limits as a share of it, adjusted for household size, and the published limits page lists each one.
Do Kauai programs accept condos?
The one county-wide program lists condos as eligible. The agency confirms it for the home you choose.
Where can I take a homebuyer class in Kauai?
HUD-approved housing counseling agencies teach homebuyer classes, and 3 agencies have an office in Kauai County. Create a free account and take the 90-second match to see the ones near you.
Keep exploring
Sources
Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (June–July 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024), tables B01003, B25077, B25003, B25024, B25034, B25035, B19013. Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.