Your real Hawaii affordability, the HHOC Down Payment Assistance Loan (DPAL) match, and a step-by-step plan — in 30 seconds. No email required.
Calculate your Hawaii number — free →The HHOC Down Payment Assistance Loan (DPAL) is a second mortgage offered through the Hawaii HomeOwnership Center (HHOC), a private nonprofit homebuyer education and counselling organization that lends through its nonprofit affiliate HHOC Mortgage. HHOC is not Hawaii's state housing finance agency — that is the Hawaii Housing Finance and Development Corporation (HHFDC). Current amounts, income limits and credit requirements are set by HHOC — confirm them on the official program page. Cities and counties in Hawaii often add their own programs on top.
Official Hawaii program page →One of Hawaii's most widely used options is the HHOC Down Payment Assistance Loan (DPAL) — a second mortgage offered through the Hawaii HomeOwnership Center (HHOC), a private nonprofit homebuyer education and counselling organization rather than Hawaii's state housing finance agency, which is the Hawaii Housing Finance and Development Corporation (HHFDC). Many cities and counties in Hawaii add their own programs on top, so it is worth checking all three levels.
It depends on your income, debts and credit. The calculator applies the FHA 31%/43% debt-to-income rule to estimate your price, then shows how much of your down-payment gap Hawaii assistance could cover. Most buyers pair it with a 3% conventional or 3.5% FHA down payment.
Many state programs set a 620 minimum credit score alongside income limits based on area median income. Exact requirements are set by the agency — verify current terms on the official HHOC Down Payment Assistance Loan (DPAL) page before applying.