Forgivable loan
Down Payment Loan Program
First-time homebuyers · Income limits · Single-family residence, condominium, townhouse - primary residence on Oahu
Down payment assistance · Honolulu County
Buying a home in Honolulu, HI
1 Honolulu program and 8 statewide.Honolulu has 1 program of its own, and 8 statewide. Here is what each one offers, and who near you can walk you through it.
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Only for Honolulu addresses
Honolulu’s own program
Income limits in Honolulu County
How programs here set their income limits
$133,400
County area median income, 4 people (HUD)HUD area median income, Honolulu County, 4-person household (2026)
14 of the 71 programs here set their income limit as a share of Honolulu County’s area median income, adjusted for household size. See the published limits for Honolulu County
Free help nearbyFree help near Honolulu
7 HUD-approved counseling agencies within 15 miles7 HUD-approved housing counseling agencies within 15 miles
Honolulu’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Down Payment 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.
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Across Hawaii and nationwide
70 statewide & federal programs8 statewide programs, plus federal options
Honolulu questions
Does Honolulu have its own down payment program?
Yes, one: Down Payment Loan Program, a forgivable loan for first-time homebuyers (forgiven over 20 yrs, income limits). It is for homes inside Honolulu.
Can I use assistance on a condo in Honolulu?
Honolulu’s one local program accepts condos. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in Honolulu County?
Each program sets its own. 14 of the programs here set theirs as a share of HUD’s area median income for Honolulu County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Honolulu?
HUD-approved housing counseling agencies teach homebuyer classes, and 7 agencies are within 15 miles of Honolulu. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
96801 · 96802 · 96803 · 96804 · 96805 · 96806 · 96807 · 96808 · 96809 · 96810 · 96811 · 96812 · 96813 · 96814 · 96815 · 96816 · 96817 · 96818 · 96819 · 96820 · 96821 · 96822 · 96823 · 96824 · 96825 · 96826 · 96827 · 96828 · 96830 · 96835 · 96836 · 96837 · 96838 · 96839 · 96840 · 96841 · 96842 · 96843 · 96844 · 96845 · 96846 · 96847 · 96848 · 96849 · 96850
Nearby in Honolulu
Sources
Sources: agency sites (June–July 2026), HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (June–July 2026). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.