Kahua Hale Mortgage Loan

Kahua Hale Mortgage Loan is a first mortgage for homebuyers in Hawaii, administered by Hawaii Community Lending (HCL). Kahua Hale is a zero-down, low-fee mortgage loan from Hawaii Community Lending that helps low-income native Hawaiian families purchase homes in rural communities on Hawaiian Home Lands. It carries a flat $2,000 fee and interest rates below typical market levels, and serves households at or below 80% AMI. By eliminating the down payment, it functions as down-payment assistance for native Hawaiian beneficiaries. Zero-down mortgage. Flat $2,000 fee. Below-market interest rate. Serves native Hawaiian families at or below 80% AMI. Hawaiian Home Lands eligible. Funding comes from Hawaii Community Lending revolving loan fund (zero-down mortgage for native Hawaiian families).

Kahua Hale Mortgage Loan is a first mortgage and is repaid under the terms set by Hawaii Community Lending (HCL). The assistance is recorded in First position. Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Kahua Hale Mortgage Loan is open to homebuyers who will live in the home as their primary residence. On credit, the program states: HCL motto 'We don't say no, we say how' - works with borrowers across credit profiles via a readiness plan. A homebuyer education course is required, through HUD counseling (via HCL/Hawaiian Community Assets). Available for Hawaiian Home Lands; eligibility tied to native Hawaiian beneficiary status (eligible_american_indian flagged true for Native Hawaiian beneficiary). Requires HUD counseling. Rates, terms, and details may change without notice. Exact interest rate and loan limits not published on the loans page; confirm with HCL.

Kahua Hale Mortgage Loan limits household income to 80% of the area median income, which varies by county and household size. Borrower household income at or below 80% of Area Median Income (AMI). The limit applies to total household income, not only the borrower’s. Area median income figures are published by HUD and updated annually, so check the current table for the county before relying on a number.

Kahua Hale Mortgage Loan can be used for Single Family.

Kahua Hale Mortgage Loan names American Indian and Alaska Native homebuyers among the groups it serves. Being named here means the program mentions the group, not that membership alone qualifies an applicant — the rest of the eligibility rules still apply.

Kahua Hale Mortgage Loan serves homebuyers purchasing anywhere in Hawaii.

Applications for Kahua Hale Mortgage Loan go through Hawaii Community Lending (HCL), which publishes the current terms and the application steps on its own site. Hey Prescott is not a lender and does not accept applications; this page describes the program so a homebuyer can take it to a lender or housing counselor.