Homebuyer Loan Program
Assistance grant · New construction · Income limits
Down payment assistance · Kauai County
Buying a home in ‘Ōma‘o, HI
1 county program and 8 statewide.‘Ōma‘o has no program of its own, 1 across Kauai 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 ‘Ōma‘o
No program of ‘Ōma‘o’s own yet
No program run for ‘Ōma‘o alone is listed. A home in ‘Ōma‘o can use Kauai County’s programs below, plus the Hawaii statewide and federal ones.
The closest city that runs its own program is Honolulu, about 113 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in KauaiAnywhere in Kauai County
1 county program1 county program a ‘Ōma‘o homebuyer can use
The ‘Ōma‘o marketThe ‘Ōma‘o housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in ‘Ōma‘o
- 87.8% single-familysingle-family
- 9.1% townhousetownhouse
- 1.2% 2–4 units2–4 units
- 1.9% 5+ unitscondo & apartment buildings (5+ units)
- 0% mobile & othermobile home & other
Condos count. ‘Ōma‘o’s one local program accepts condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When ‘Ōma‘o’s homes were built
pre-19401970s2020+
47.8%
of ‘Ōma‘o 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
County area median income, 4 people (HUD)HUD area median income, Kauai County, 4-person household (2026)
$101,667
‘Ōma‘o median household incomeMedian household income in ‘Ōma‘o (Census, 2024)
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 nearbyFree help near ‘Ōma‘o
2 HUD-approved counseling agencies within 15 miles2 HUD-approved housing counseling agencies within 15 miles
‘Ōma‘o’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.
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Across Hawaii and nationwide
70 statewide & federal programs8 statewide programs, plus federal options
‘Ōma‘o questions
Does ‘Ōma‘o have its own down payment program?
No program run for ‘Ōma‘o alone is listed. A home in ‘Ōma‘o can use the 1 program that cover Kauai County and the 8 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in ‘Ōma‘o?
‘Ōma‘o’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 Kauai County?
Each program sets its own. 14 of the programs here set theirs as a share of HUD’s area median income for Kauai 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 ‘Ōma‘o?
HUD-approved housing counseling agencies teach homebuyer classes, and 2 agencies are within 15 miles of ‘Ōma‘o. Create a free account and take the 90-second match to see the ones near you.
Nearby in Kauai
Sources
Sources: agency sites (June–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 (June–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.