Hawaii County Deferred Payment Loan
Deferred second loan · Income limits
Down payment assistance · Hawaii County
Buying a home in Waikoloa, HI
1 county program and 8 statewide.Waikoloa has no program of its own, 1 across Hawaii County, and 8 statewide. Here is what each one offers, and who near you can walk you through it.
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What’s local to Waikoloa
No program of Waikoloa’s own yet
No program run for Waikoloa alone is listed. A home in Waikoloa can use Hawaii County’s programs below, plus the Hawaii statewide and federal ones.
The closest city that runs its own program is Honolulu, about 164 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in HawaiiAnywhere in Hawaii County
1 county program1 county program a Waikoloa homebuyer can use
Income limits in Hawaii County
How programs here set their income limits
$98,300
County area median income, 4 people (HUD)HUD area median income, Hawaii County, 4-person household (2026)
13 of the 71 programs here set their income limit as a share of Hawaii County’s area median income, adjusted for household size. See the published limits for Hawaii County
Free help nearbyFree help near Waikoloa
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Waikoloa’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Hawaii County Deferred Payment Loan 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
Waikoloa questions
Does Waikoloa have its own down payment program?
No program run for Waikoloa alone is listed. A home in Waikoloa can use the 1 program that cover Hawaii County and the 8 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Waikoloa?
Waikoloa’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 Hawaii County?
Each program sets its own. 13 of the programs here set theirs as a share of HUD’s area median income for Hawaii 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 Waikoloa?
HUD-approved housing counseling agencies teach homebuyer classes. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
96738
Sources
Sources: agency sites (July 2026), 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). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.