Find grants, rebates, forgivable loans, and free programs for Honolulu, HI, filtered to your situation.
As of June 2026, 27 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Honolulu, HI, with individual awards up to $126,526. 12 programs target seniors, 3 serve veterans, and 11 require no income limit.
Data last verified 2026-04-03. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 17 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 2 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 2 | Refunded to you after purchase | Energy-efficiency upgrades |
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The City and County of Honolulu's Rehabilitation Loan Program provides 0% interest loans to income-qualified owner-occup...
The City and County of Honolulu administers federal CDBG funds through the Department of Community Services to support h...
Hawaii Energy administers residential rebates for energy-efficient appliances and systems for HECO/Hawaiian Electric rat...
Hawaii's HEAR program (funded by the federal Inflation Reduction Act) provides income-qualified rebates for home electri...
Hawaii's WAP provides free weatherization measures to reduce energy costs for low-income households on Oahu, administere...
Honolulu Habitat for Humanity's Critical Home Repair Program addresses long-deferred maintenance, critical repairs, and ...
The Honolulu Down Payment Loan Program provides up to $40,000 as a zero-fee, zero-interest deferred loan with a 20-year ...
Honolulu's Home Exemption reduces the assessed value of an owner-occupied primary residence by $120,000 for homeowners u...
In Honolulu, homeowners who qualify for the basic home exemption receive an automatically increasing exemption as they a...
Totally disabled veterans with service-connected disabilities that resulted from active duty with the U.S. Armed Forces ...
The VA's SAH grant helps veterans with severe service-connected mobility disabilities adapt or construct accessible home...
USDA Rural Development's Section 504 program offers grants of up to $10,000 for seniors age 62 and older to remove healt...
Hawaii's H-HEAP (formerly LIHEAP) provides a one-time payment toward electric or gas utility bills for income-qualified ...
The FHA 203(k) loan allows homebuyers and existing owners to finance purchase (or refinance) plus renovation costs in a ...
VITA provides free federal and Hawaii state income tax preparation and e-filing for households earning $67,000 or less, ...
HMGP provides funding after a presidentially declared disaster to help communities reduce future disaster losses. Homeow...
ICC coverage is built into every National Flood Insurance Program (NFIP) policy and pays up to $30,000 to help bring a s...
HUD funds state, county, and city governments to identify and fix lead-based paint hazards and other health hazards (mol...
EPA's WIIN Act grants and the Drinking Water State Revolving Fund (DWSRF) fund lead service line replacement programs in...
The American Red Cross installs free smoke alarms and creates home fire escape plans through their nationwide Home Fire ...
Rebuilding Together's Safe at Home program provides free preventive home modifications to help older adults and people w...
EPA provides State and Tribal Indoor Radon Grants (SIRG) to every state to fund radon risk reduction programs. While the...
NeighborWorks America supports a network of nearly 250 local nonprofit housing organizations across every state, DC, and...
Owners of historic homes may access funding through their State Historic Preservation Office (SHPO), which distributes H...
The Section 184 Indian Home Loan Guarantee Program provides HUD-guaranteed mortgage financing for American Indian and Al...
The Housing Choice Voucher (Section 8) program provides rental assistance to eligible low-income families, seniors, and ...
Hawaii's Workforce Development Division, through the Oahu American Job Center, administers WIOA-funded Individual Traini...
Hawaii's Preschool Open Doors (POD) program provides child care subsidies to low-income working families on all major is...
Parents And Children Together (PACT) and other agencies operate Head Start and Early Head Start programs on Oahu and nei...
The SBA Hawaii District Office serves small businesses in Honolulu and throughout Hawaii. Programs include SBA Microloan...
The Hawaii Small Business Development Center (SBDC) Network provides free business advising and helps Honolulu entrepren...
Many of these programs can be combined. For example, you can use a city repair grant for the work, a utility rebate for the energy savings, and a federal tax credit on top, all for the same project.
Pick a project to see how much funding could stack on it from multiple programs in this city.
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27 programs are currently listed for Honolulu, including City & County of Honolulu DCS Rehabilitation Loan Program, City & County of Honolulu CDBG Housing Assistance, Hawaii Energy Residential Rebate Program.
Grants do not have to be repaid. Forgivable loans are forgiven over a residency period, and rebates refund your money after the purchase. In Honolulu, 17 programs do not require repayment, 2 are forgivable loans, and 2 are rebates.
Every program listing carries the official application link and phone number for the administering agency. Homeowners apply directly with that agency; there is no middleman and no fee.