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City & County of Honolulu DCS Rehabilitation Loan Program

City & County of Honolulu — Department of Community Services, Community Assistance Division

Active — rolling applications; expect at least 1-year processing time Home Repair Loan

About This Program

The City and County of Honolulu's Rehabilitation Loan Program provides 0% interest loans to income-qualified owner-occupants to repair homes to minimum housing quality standards. Eligible repairs include termite damage, roofing, electrical, plumbing, and accessibility modifications. Note: due to federal, state, and city regulatory requirements including Historic Preservation review, processing takes at least one year — not suitable for emergency repairs.

Interest rate is 0% for income-qualified borrowers at or below 80% AMI. Loan term and amount vary by income level and repair scope. Applications take 12+ months to process.

Key Details

  • 0% interest rehabilitation loan for owner-occupants up to 80% of Oahu median income
  • Covers roofing, termite damage, plumbing, electrical, accessibility
  • Processing takes at least 12 months — not for emergency repairs
  • Apply at 51 Merchant Street, 1st Floor, Honolulu, HI 96813
  • Call DCS Community Assistance Division: 808-768-7076

How to Apply

Visit Official Program Page

808-768-7076

Deadline: Rolling

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