Homebuyer Loan Program
Assistance grant · New construction · Income limits
Down payment assistance · Kauai County
Buying a home in Wailua, HI
1 county program and 8 statewide.Wailua has no program of its own, 1 across Kauai 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 Wailua
No program of Wailua’s own yet
No program run for Wailua alone is listed. A home in Wailua 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 108 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 Wailua homebuyer can use
Income limits in Kauai County
How programs here set their income limits
$120,100
County area median income, 4 people (HUD)HUD area median income, Kauai County, 4-person household (2026)
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 Wailua
3 HUD-approved counseling agencies within 15 miles3 HUD-approved housing counseling agencies within 15 miles
Wailua’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
Wailua questions
Does Wailua have its own down payment program?
No program run for Wailua alone is listed. A home in Wailua 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 Wailua?
Wailua’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 Wailua?
HUD-approved housing counseling agencies teach homebuyer classes, and 3 agencies are within 15 miles of Wailua. 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), 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). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.