Down Payment Assistance


The days government assistance programs aren’t as easily found as they were a few years ago, but home buyers can still get mortgages with little to no money down if they know where to look.

From down payment assistance grants to interest-free second mortgages and other special mortgage programs, there are a number of options for home buyers who want to buy a home without a down payment.

You still need to have decent credit and all of your income has to be thoroughly documented.

Often, potential home buyers have what it takes to qualify for a mortgage, but haven’t managed to save enough for a down payment, or simply don’t want to spend all of their savings on a down payment. Meanwhile, money from the many types of down payment assistance programs, available through state and local housing agencies, goes unused because home buyers think they don’t qualify for help.

When you think of down payment assistance, you think of would-be home buyer that are income challenged, but these are not just for low-income folks. They are for working people who make a decent income but don’t have enough to save for a down payment.”

Home buyers generally can earn 80 percent of the median income in Honolulu county to qualify for various down payment assistance programs.

For instance, the threshold for a family of four in Honolulu is $76,650. Would-be home buyers can often qualify for down payment assistance, soft seconds and grants whose income doesn’t exceed this amount and income vary based on family size, so click on the link to find out if you qualify.

We’ve provided a few resources you should contact to find out about available funds, but down assistance programs come and go, so reach out to any of our community members who post on this topic to find out what’s currently available.

American Dream

Down Payment Resource



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Organizing your home shopping experience affords a wise decision-making process. This simple home inspection tool makes your ultimate buying decision a smart one. To print this document, click on “Open in New Window” located at the lower right corner; click on “File”; then click on “Print”. In the center of the screen, you will have the option  to “Create A Printable PDF of the Presentation”.

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