Hale Kamaʻāina Mortgage Program – Eligibility Income and Purchase Price Requirements


Hale Kamaʻāina Logo

Click to return to main page

Eligibility Requirements

As of June 13, 2026

A borrower qualifies for the Hale Kamaʻāina Mortgage Program if all the following eligibility criteria are met:

  • U.S. Citizen or Resident Alien
  • Bona fide resident of Hawai’i
  • At least eighteen years of age
  • Household Income within Program limits
  • Received Recapture Tax Notice
  • Successfully completed a homeownership counseling program through a housing counseling agency approved by the United States Department of Housing and Urban Development
  • *First-time Homebuyer: The borrower, including the spouse, must not have owned or held any interest in a principal residence within the past three (3) years
  • Is financing a property that will be the eligible borrower’s principal residence
  • Does not own in fee simple or in leasehold any other residential property within the State (Down Payment Assistance [DPA] only)
  • Has not previously received DPA from HHFDC’s programs, past and current (Down Payment Assistance [DPA] only)

*Exceptions may apply to Veterans or purchases in targeted areas.

Household Income Limits

Household income limits are based on household size and whether the property is in a targeted area or not. Targeted areas may have higher income limits.

Income Limits (As of June 13, 2026)

County Non-Targeted Area Income Limits (Household Size) Targeted Area Income Limits (Household Size)
Hawaii $126,500 (1-2 person)/$145,475 (3+) $151,800 (1-2 person)/$177,100 (3+)
Honolulu $154,805 (1-2 person)/$178,025 (3+) $184,800 (1-2 person)/$215,600 (3+)
Kalawao $146,280 (1-2 person)/$170,660 (3+) $151,800 (1-2 person)/$177,100 (3+)
Kauai $163,080 (1-2 person)/$190,260 (3+) Not Applicable
Maui $177,600 (1-2 person)/$207,200 (3+) $177,600 (1-2 person)/$207,200 (3+)

Purchase Price Limits (As of June 13, 2026)

County Non-Targeted Area Purchase Price Limits Targeted Area Purchase Price Limits
Hawaii $613,662 $750,031
Honolulu $866,346 $1,058,867
Kalawao $1,359,682 $1,661,833
Kauai $1,162,348 Not Applicable
Maui $1,359,682 $1,661,833