Honolulu · Honolulu County
Down Payment Loan Program
Forgivable loan · 80% of area median income
Programs by loan typePrograms by loan type · Hawaii
Down payment assistance you can pair with a VA loan in Hawaii
11 programs name VA loans: 1 city, 4 county or regional, 6 statewide.11 programs in Hawaii name VA loans among the first mortgages they can be paired with: 1 run by a city, 4 by a county or regional agency and 6 open statewide.
Two approvals, made separately. The lender underwrites the VA loan; the program reviews its own application, and the lender must also accept the assistance. The loan type is one rule among several.The lender underwrites the VA loan; the assistance program reviews its own application. A program naming VA means the two can be combined, and the lender must also accept the assistance as a source of funds. The loan type is one rule among several.
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The 11 programs, closest first
From one city out to the whole state
Listed A–Z within each group, not ranked.A city program covers homes inside that city; a county or regional program, homes in its area; a statewide program, an eligible home anywhere in Hawaii. Listed A–Z within each group, not ranked.
In a Hawaii city 1 program
For homes inside that city’s limits onlyIn a county or region 4 programs
For homes anywhere in the county or the counties namedMaui County
First-Time Home Buyer's Down Payment Assistance Program
Assistance grant · 140% of area median income
Hawaii County
Hawaii County Deferred Payment Loan
Deferred second loan
Kauai County
Homebuyer Loan Program
Assistance grant · 140% of area median income
Maui County
Maui County Deferred Payment Loan
Deferred second loan · 120% of area median income
Anywhere in Hawaii 6 programs
Can sit alongside a city or county program where both allow it- Deferred Closing Costs Assistance LoanUp to $10,000 · Deferred second loan · First-time homebuyers
- Down Payment Assistance Loan (DPAL) ProgramUp to $125,000 · Repayable second loan · First-time homebuyers
- Hale Kamaaina Mortgage Program - Down Payment Assistance (Second Mortgage Loan)Deferred second loan · First-time homebuyers
- Max HLPR (Home Loan Payment Relief) LoanShared-appreciation loan · First-time homebuyers
- Mortgage Booster ProgramUp to $50,000 · Repayable second loan · First-time homebuyers
- Mortgage Credit Certificate (MCC) ProgramMortgage credit certificate · First-time homebuyers
Nationwide 27 programs · not in the 11
Nationwide: 27 more, not in the 1127 nationwide programs that also name VA loans, each with its own area and eligibility rules
- American Pacific Mortgage Pathway DPA
- Chase Bank Homebuyer Grant
- Chico Rancheria Housing Corporation Homebuyer Assistance
- Confederated Tribes of Grand Ronde Down Payment Assistance
- Essex Mortgage 10 Year Amortized 2 Plus
- Essex Mortgage Forgivable/Deferred Program
- Fairway Independent Mortgage Corporation Affordable Housing
- Fairway Independent Mortgage Corporation HOPER's Incentive Program
- Flagstar - Flagstar Gift Program
- Great Nevada Mortgage Middle-Income Downpayment Assistance Grants
- Land Home Financial Services, Inc. House2Home Program
- Lennar Mortgage Advantage Plus Program
- MEP Advantage DPA Program
- National Homebuyers Fund (NHF) - Data Mortgage, Inc. dba Essex Mortgage Deferred Down Payment Assistance Program
- North Fork Rancheria Indian Housing Authority Down Payment Assistance Program
- Northern Circle Indian Housing Authority Down Payment Assistance
- Primary Residential Mortgage Down Payment Program
- Primary Residential Mortgage Inc. Welcome Home Down Payment Assistance Program
- Siletz Tribal Housing Department Down Payment Assistance
- Susan's Savings First Time Home Buyers Program
- Tyndall Federal Credit Union $1,000 Off Closing Cost
- Tyndall Federal Credit Union $450 Closing Cost
- U.S. Department of Housing and Urban Development HCV Homeownership Program
- U.S. Department of the Interior Indian Affairs Down Payment Assistance
- U.S. Department of Veterans Affairs Native American Direct Loan
- U.S. Department of Veterans Affairs Specially Adapted Housing (SAH) Grant
- U.S. Department of Veterans Affairs VA-backed Purchase Loan
- All nationwide programs →
What to know
What the 11 records say
From each program’s own record. The agency decides who can use it.Counted from each program’s own record. A program’s agency decides who can use it.
- 10 of 11
ask for a homebuyer education class.
- 9 of 11
are limited to first-time homebuyers, as each program defines it.
- 4 · 2 · 2
are deferred second loans, assistance grants and repayable second loans. The other 3 are 1 forgivable loan, 1 mortgage credit certificate and 1 shared-appreciation loan.
Free help in HawaiiFree help in Hawaii
19 HUD-approved counseling agencies in Hawaii19 HUD-approved housing counseling agencies in Hawaii
10 of 11 of these programs ask for a homebuyer class. A HUD-approved counselor teaches it and can explain how the assistance and a VA loan fit together.10 of 11 of these programs ask for a homebuyer class. A HUD-approved counselor teaches it and can explain how an assistance program and a first mortgage fit together, before you talk to a lender. Create a free account to see who’s near you.
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More of Hawaii’s programs
State pageEvery program in HawaiiBy city, by county and statewide, with the 5 counties.Hawaii →Income limitsIncome limits and price caps in HawaiiHUD area median income by county, and the share each program sets.See the limits →
Other loan types
- FHA loans 11
- Conventional loans 13
- USDA loans 11
- Section 184 loans 2
- How VA loans work with assistance, nationally →
By situation
Questions, answered
Can down payment assistance be used with a VA loan in Hawaii?
11 programs in Hawaii name VA loans among the loan types they can be paired with. The assistance program and the first-mortgage lender underwrite separately, so a lender must also be willing to accept the assistance as a source of funds.
Does naming VA loans mean a program is open to everyone using one?
No. The loan type is one eligibility rule among several — income limits, purchase price caps, credit requirements and occupancy rules all still apply, and each program sets its own.
Is Hey Prescott a lender?
No. Hey Prescott is an educational directory of down payment assistance programs. We list programs and link to official sources; we do not make loans or give individualized lending advice.
Programs and counts: Hey Prescott program records, each verified with its administering agency (June–July 2026). Counselors: HUD housing counseling agency list. Hey Prescott is not a lender.