Loan Programs for Homeowners
Community Assistance Division
Rehabilitation Loan Program:
This program provides rehabilitation loans to owner-occupant homeowners with incomes up to 80% of the median income for Oahu. The loans can be used to repair and correct deteriorated and hazardous conditions on the property, such as damage caused by termites or wood rot, leaky roof and drain pipes, peeling paint, faulty electrical wiring and plumbing. Accessibility improvements may be made to assist family members with disabilities. The installation or replacement of Energy Star compliant appliances are eligible under this program.
This program provides no-interest loans to income-qualified owner-occupant homeowners, enabling them to repair their homes to meet basic housing quality standards.
Rehabilitation Loan Application – Fillable Form
Rehabilitation Loan Application Information
PLEASE NOTE: The City Rehabilitation Loan Program is not suitable for emergency repairs and/or remodeling upgrades. Due to current Federal, State, and City regulations to obtain loan approval, such as State Historic Preservation approval for any renovation work, the total processing time for a loan application is at least a year or longer. After loan approval, a building permit must be obtained.
First-Time Homebuyer: Down-Payment Loan Program
Down Payment Loan Program Brochure
Disaster Assistance Loans
Provides residential repair loans to homeowners adversely affected by a declared disaster. Funds are used only to correct unsafe or unhealthy conditions caused by a disaster, and used only after FEMA, state, or insurance coverage are applied.