Hale Kamaaina Mortgage Program - Down Payment Assistance (Second Mortgage Loan)

Ang Hale Kamaaina Mortgage Program - Down Payment Assistance (Second Mortgage Loan) ay isang ipinagpalibang pangalawang loan para sa mga bibili ng bahay sa Hawaii, na pinangangasiwaan ng Hawaii Housing Finance & Development Corporation (HHFDC). The Hale Kamaaina Mortgage Program is HHFDC's flagship first-time homebuyer program offering competitive 30-year fixed-rate first mortgages (targeted at least 50 basis points below market) with an optional down payment assistance second mortgage. Qualifying borrowers may receive a DPA loan of up to 4% of the first mortgage amount, accruing simple interest at 1% per year with no monthly payments, due upon maturity, sale, or refinance. The program had $30 million available at launch. Down payment assistance up to 4% of first mortgage. 1% simple interest, no monthly payments. Deferred until sale, refinance, or maturity. No prepayment penalty. Pairs with below-market 30-year fixed first mortgage. Higher limits and FTHB waiver in targeted areas. Ang pondo ay mula sa Tax-exempt mortgage revenue bond proceeds.

Ipinagpaliban ang Hale Kamaaina Mortgage Program - Down Payment Assistance (Second Mortgage Loan), kaya walang bayarin hanggang maibenta o ma-refinance ang bahay, o mabayaran nang buo ang unang mortgage. Kailangang bayaran kapag may Due in full upon first mortgage maturity, sale, refinance, or other qualifying event. Nakatala ang tulong bilang lien sa posisyong Second. Ang mga tuntunin sa pagpapatawad at pagbabayad ay itinatakda ng programa at maaaring magbago — kumpirmahin ang mga ito sa opisyal na pahina ng programa bago mag-apply.

Bukas ang Hale Kamaaina Mortgage Program - Down Payment Assistance (Second Mortgage Loan) sa mga unang beses na bibili ng bahay at mga bibili ng bahay na titira sa bahay bilang pangunahing tirahan. May mga eksepsiyon dito ang "unang beses": First-time buyer = has not owned and occupied a principal residence for the past 3 years; exceptions may apply for Veterans or purchases in targeted areas. Tungkol sa credit, sinasabi ng programa: Minimum FICO 660 (per current rate sheet for both government and conventional offerings). Kailangan ang kurso sa homebuyer education, sa pamamagitan ng Homeownership counseling program through a HUD-approved housing counseling agency; required for all persons on title (not cosigners). Requirement sa paninirahan: Bona fide resident of Hawaii. Citizenship o katayuan sa imigrasyon: U.S. Citizen or Resident Alien. To receive the DPA second, borrower must contribute a minimum of 5% of the sales price, must not own any other residential property (fee simple or leasehold) in the State, and must not have previously received a down payment loan from any HHFDC program. Borrower must receive a Recapture Tax Notice. Min/max DPA dollar amount and exact min credit score for the DPA tier not separately stated beyond the 4% calculation and 660 FICO on the rate sheet; full program guidelines PDF (eHousingPlus, dated 04-08-2026) could not be retrieved.

Ganito itinatakda ng Hale Kamaaina Mortgage Program - Down Payment Assistance (Second Mortgage Loan) ang income limit nito: Household income limits (2025, non-targeted / targeted) by county and household size: Hawaii $123,000 (1-2 person) / $141,450 (3+); targeted $147,600 / $172,200. Honolulu $152,000 / $174,800; targeted $182,400 / $212,800. Kalawao $133,080 / $155,260; targeted $147,600 / $172,200. Kauai $159,480 / $186,060 (no targeted tracts). Maui $161,520 / $188,440; targeted same. Nalalapat ang limit sa kabuuang kita ng sambahayan, hindi lang sa kita ng nanghihiram. Ang mga numero ng median na kita sa lugar ay inilalathala ng HUD at ina-update taun-taon, kaya tingnan ang kasalukuyang talahanayan para sa county bago umasa sa isang numero.

Nililimitahan ng Hale Kamaaina Mortgage Program - Down Payment Assistance (Second Mortgage Loan) ang presyo ng pagbili sa $809,458. Kabilang sa mga kwalipikadong uri ng ari-arian ang Single Family, Townhouse, PUD, at Condo. Kwalipikado ang bagong gawang bahay.

Binabanggit ng Hale Kamaaina Mortgage Program - Down Payment Assistance (Second Mortgage Loan) ang mga beterano sa mga grupong pinaglilingkuran nito. Ang pagkakabanggit dito ay nangangahulugang binabanggit ng programa ang grupo, hindi na sapat na ang pagiging miyembro para maging kwalipikado ang isang aplikante — nalalapat pa rin ang iba pang patakaran sa eligibility.

Pinaglilingkuran ng Hale Kamaaina Mortgage Program - Down Payment Assistance (Second Mortgage Loan) ang mga bibili ng bahay kahit saan sa Hawaii. Tinutukoy ng programa ang mga partikular na lugar: Federally designated targeted-area census tracts (economically disadvantaged) qualify for higher income and purchase price limits and waive the first-time buyer requirement. No targeted tracts exist in Kauai County.

Dumadaan sa Hawaii Housing Finance & Development Corporation (HHFDC) ang mga aplikasyon para sa Hale Kamaaina Mortgage Program - Down Payment Assistance (Second Mortgage Loan), na naglalathala ng kasalukuyang mga tuntunin at mga hakbang sa pag-apply sa sarili nitong site. Nirereserba ang pondo sa pamamagitan ng Lender reserves funds via eHousingPlus eHPortal; 60 days from reservation to loan purchase. Ang Hey Prescott ay hindi nagpapautang at hindi tumatanggap ng aplikasyon; inilalarawan ng pahinang ito ang programa para madala ito ng bibili ng bahay sa isang lender o housing counselor.