Down payment assistance · Honolulu County
Buying a home in Pearl City, HI
8 statewide.Pearl City has no program of its own, and 8 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
What’s local to Pearl City
No program of Pearl City’s own yet
No program run for Pearl City or for Honolulu County alone is listed. A home in Pearl City can use the Hawaii statewide and federal programs below.
The closest city that runs its own program is Honolulu, about 10 miles away. City programs usually require the home to be inside that city’s limits.
Neighboring cities
1 program for homes in nearby cities
1 more program is for homes in Honolulu. See them 1 program in neighboring cities — for homes inside those cities, not Pearl City
- Honolulu — Down Payment Loan Program
The Pearl City marketThe Pearl City housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Pearl City
- 63.3% single-familysingle-family
- 15.2% townhousetownhouse
- 7% 2–4 units2–4 units
- 14.3% 5+ unitscondo & apartment buildings (5+ units)
- 0.3% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Pearl City’s homes were built
69.3%
of Pearl City 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.
13 of the 70 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 Pearl City
8 HUD-approved counseling agencies within 15 miles8 HUD-approved housing counseling agencies within 15 miles
Create a free account to see who’s near you and pick one.A HUD-approved counselor teaches homebuyer classes and can walk you through your options. Create a free account to see who’s near you and pick one.
Free account → 90-second match → your counselors · Sign in
Across Hawaii and nationwide
70 statewide & federal programs8 statewide programs, plus federal options
Pearl City questions
Does Pearl City have its own down payment program?
No program run for Pearl City alone is listed. A home in Pearl City can use the 8 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Pearl City?
Each program sets which kinds of homes it accepts. Where the agency publishes them, the program’s page lists them; the agency confirms it for the home you choose.
What is the income limit in Honolulu County?
Each program sets its own. 13 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 Pearl City?
HUD-approved housing counseling agencies teach homebuyer classes, and 8 agencies are within 15 miles of Pearl City. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
96782
Nearby in Honolulu
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.