Homebuyer Loan Program
Assistance grant · New construction · Income limits
Down payment assistance · Kauai County
Buying a home in Wailua Homesteads, HI
1 county program and 8 statewide.Wailua Homesteads 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 Wailua Homesteads
No program of Wailua Homesteads’s own yet
No program run for Wailua Homesteads alone is listed. A home in Wailua Homesteads 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 111 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 Homesteads homebuyer can use
The Wailua Homesteads marketThe Wailua Homesteads housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Wailua Homesteads
- 88.5% single-familysingle-family
- 5.3% townhousetownhouse
- 5.8% 2–4 units2–4 units
- 0% 5+ unitscondo & apartment buildings (5+ units)
- 0.4% mobile & othermobile home & other
Condos count. Wailua Homesteads’s one local program accepts condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Wailua Homesteads’s homes were built
pre-19401970s2020+
45.2%
of Wailua Homesteads 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)
$89,717
Wailua Homesteads median household incomeMedian household income in Wailua Homesteads (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 Wailua Homesteads
3 HUD-approved counseling agencies within 15 miles3 HUD-approved housing counseling agencies within 15 miles
Wailua Homesteads’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 Homesteads questions
Does Wailua Homesteads have its own down payment program?
No program run for Wailua Homesteads alone is listed. A home in Wailua Homesteads 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 Homesteads?
Wailua Homesteads’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 Homesteads?
HUD-approved housing counseling agencies teach homebuyer classes, and 3 agencies are within 15 miles of Wailua Homesteads. 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.