Hawaii Home Energy and Mortgage Assistance Program (HEMAP)

Hawaii Housing Finance and Development Corporation

Available Emergency Repair

About This Program

Provides financial assistance to eligible homeowners who have experienced a financial hardship that has resulted in delinquent mortgage payments and/or high energy costs. Funded through the federal Homeowner Assistance Fund.

Average assistance covers several months of past-due mortgage and utility payments

Data last verified 2026-06-09. How we verify our data.

Key Details

  • Up to $50,000 for mortgage and utility arrears
  • Must demonstrate COVID-19 related hardship
  • Income at or below 150% area median income
  • Owner-occupied primary residence required
  • Applications open through December 2025

How to Apply

A grant-savvy contractor in Kaneohe, HI can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

You will likely need a contractor to apply

Projects like this almost always need a licensed contractor, and many grants ask for a written estimate as part of your application. Lining up a contractor in Kaneohe early keeps your application moving.

Get matched with a contractor

Each program sets its own contractor rules. Check the official program page for exact requirements.

Deadline: Applications accepted through December 31, 2025

Questions about this program?

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Need a Contractor for This Grant?

Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.

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