Honolulu County, Hawaii · Loan
Rehabilitation Loan Program for Owner Occupants
Run by City and County of Honolulu, Department of Community Services, Rehabilitation Loan Branch
Zero-interest home repair loans up to $300,000 for Oʻahu owner-occupants with incomes up to 80% of area median income. Besides repairs like roofs and wiring, the loan can pay for solar water heaters, solar PV and ENERGY STAR appliances. Approval can take a year or more.
Amounts
How much you get
0% interest loan, repaid monthly over 15 or 20 years and secured by a mortgage. Up to $300,000 (more considered case by case), limited by the equity in the property. The only fees are title search, credit report and recording fees.
Eligibility
Do I qualify?
You need to meet all 4 of these.
Your home is in Honolulu County, Hawaii.
Household income up to 80% of Oʻahu's area median income: $86,250 for 1 person, $98,600 for 2, $110,900 for 3, $123,200 for 4 (limits up to 10 people in the brochure).
People in your home Income at or below 1 $86,250 2 $98,600 3 $110,900 4 $123,200 5 $133,100 6 $142,950 7 $152,800 8 $162,650 9 $172,480 10 $182,336 You must own the home and live in it; borrowers certify they intend to stay owner-occupants.
All deficiencies a City Rehabilitation Inspector finds must be repaired as part of the loan. Not for emergency repairs or remodeling.
Equipment
What equipment counts
Applying
How to apply
Get approved before you buy anything.
- Check the income limit.
Compare your household income to the limits for your household size.
- Send the application.
Fill out all 3 pages, sign pages 2 and 3, and include each working or retired adult's latest federal tax return and income proof. Questions go to the Rehabilitation Loan Branch at (808) 768-7076 (51 Merchant Street, 1st Floor, Honolulu).
- Property inspection and cost estimate.
A City inspector inspects the home at no cost, lists what must be fixed and prepares a cost estimate.
- Loan approval and building permit.
After approval you get a building permit; don't start work before.
- Work, inspections and payment.
The City inspects during and after construction and approves payments.
Signed copy of the most recent federal tax return for each working or retired adult (and working dependents)
Pay stubs for the most recent 30 days, W-2s, Social Security benefit statement or pension statement, as applicable
Forms and instructionsLoan Programs for Homeowners (Honolulu Department of Community Services) · Rehabilitation Loan Program for Owner Occupants brochure (Honolulu DCS, revised 6/01/2026) · Energy Efficiency Programs, Rebates, and Solar Initiatives (HSEO)
Questions about applying(808) 768-7076
Stacking
Use it with
Your address
Next steps
Check that it covers your address. This program has to approve you before you buy anything, so start with the program, not a contractor quote.
Is it available at your address?
Before anything else
Apply on the program’s site and wait for approval before you buy.
Your quote request is in If a contractor we work with serves your ZIP, they can contact you. We take one request per person; contact us to change it.
Get an email if this program changes
We'll write if its amount, status or deadline changes. Nothing else.
FAQ
Questions
How much does Rehabilitation Loan Program for Owner Occupants pay?
Up to $300,000 loan.
Is there an income limit?
Household income up to 80% of Oʻahu's area median income: $86,250 for 1 person, $98,600 for 2, $110,900 for 3, $123,200 for 4 (limits up to 10 people in the brochure).
Do renters qualify?
You must own the home and live in it; borrowers certify they intend to stay owner-occupants.
Do I need approval before I buy?
Yes. Apply before you buy or install anything; purchases made first don’t qualify.
Is it still available?
Yes. It was open when we last checked, on October 27, 2026.
Plain words
Words used on this page
References
Sources
This page is built from these official pages, run by the program itself.
- Loan Programs for Homeowners (Honolulu Department of Community Services)
- Rehabilitation Loan Program for Owner Occupants brochure (Honolulu DCS, revised 6/01/2026)
- Rehabilitation Loan Program application and information (Honolulu DCS, rev. 06/2026)
- Energy Efficiency Programs, Rebates, and Solar Initiatives (HSEO)
When one of these pages changes, we re-check this page against it.
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