Maui County Deferred Payment Loan
Deferred second loan · Income limits
Down payment assistance · Maui County
Buying a home in Kaunakakai, HI
2 county programs and 8 statewide.Kaunakakai has no program of its own, 2 across Maui County, and 8 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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What’s local to Kaunakakai
No program of Kaunakakai’s own yet
No program run for Kaunakakai alone is listed. A home in Kaunakakai can use Maui County’s programs below, plus the Hawaii statewide and federal ones.
The closest city that runs its own program is Honolulu, about 56 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in MauiAnywhere in Maui County
2 county programs2 county programs a Kaunakakai homebuyer can use
The Kaunakakai marketThe Kaunakakai housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Kaunakakai
- 80.2% single-familysingle-family
- 4.3% townhousetownhouse
- 6.6% 2–4 units2–4 units
- 8.7% 5+ unitscondo & apartment buildings (5+ units)
- 0.1% mobile & othermobile home & other
Condos count. All 2 of Kaunakakai’s local and county programs accept condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Kaunakakai’s homes were built
pre-19401970s2020+
63.8%
of Kaunakakai 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.
$121,400
County area median income, 4 people (HUD)HUD area median income, Maui County, 4-person household (2026)
$76,131
Kaunakakai median household incomeMedian household income in Kaunakakai (Census, 2024)
15 of the 72 programs here set their income limit as a share of Maui County’s area median income, adjusted for household size. See the published limits for Maui County
Free help nearbyFree help near Kaunakakai
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
2 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 2 local programs here ask 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
Kaunakakai questions
Does Kaunakakai have its own down payment program?
No program run for Kaunakakai alone is listed. A home in Kaunakakai can use the 2 programs that cover Maui County and the 8 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Kaunakakai?
All 2 of Kaunakakai’s local and county programs accept 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 Maui County?
Each program sets its own. 15 of the programs here set theirs as a share of HUD’s area median income for Maui 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 Kaunakakai?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Kaunakakai. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
96748
Sources
Sources: agency sites (July 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (July 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.