Honolulu Rehabilitation Loan Program
Putting off needed repairs because construction costs feel out of reach? The City and County of Honolulu’s Rehabilitation Loan Program for Owner-Occupants offers zero-interest loans to help income-qualified homeowners on Oʻahu fix up their homes and bring them up to basic housing quality standards. Here’s how it works.
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🔨 What Is the Rehabilitation Loan Program?
The Rehabilitation Loan Program is run by the City and County of Honolulu’s Department of Community Services. It provides zero-interest loans to income-qualified, owner-occupant homeowners so they can repair their homes — especially when the high cost of construction work would otherwise make those repairs out of reach.
The goal is simple: help local families stay safely in the homes and neighborhoods they love, with their homes brought up to basic housing quality standards.
💰 Key Program Details
- Loan amount: up to $300,000 (larger amounts considered case-by-case)
- Subject to equity: the loan amount also depends on the available equity in your property
- Interest rate: 0% — zero interest
- Loan fees: only the cost of the title search, credit report, and recording fees (subject to change)
- Repayment: based on a 15- or 20-year term — lower minimum payments may be available for certain credit-qualified borrowers
- Security: the loan is secured by a mortgage on the property
✅ Who Qualifies?
To be eligible, you must:
- Be an owner-occupant homeowner
- Have an annual household income at or below the limits for your household size (shown below)
Maximum Annual Household Income
| Household Size | Maximum Annual Income |
|---|---|
| 1 person | $86,250 |
| 2 people | $98,600 |
| 3 people | $110,900 |
| 4 people | $123,200 |
| 5 people | $133,100 |
| 6 people | $142,950 |
| 7 people | $152,800 |
| 8 people | $162,650 |
| 9 people | $172,480 |
| 10 people | $182,336 |
Income limits are subject to periodic revision — confirm the current figures with the City before applying.
🔧 What Repairs Are Covered?
The loan can be used to repair and correct deteriorated or hazardous property conditions, including:
- Termite damage or wood rot
- Roof repair
- Electrical rewiring
- Plumbing, and similar repairs
- Accessibility modifications to accommodate physically disabled household members
- Energy-saving systems, such as solar water heating and photovoltaic (PV) systems
🧰 Free Help From a City Inspector
One of the most valuable parts of the program: a City Inspector provides several services at no cost to you. They will:
- Inspect the property and note all deficiencies that need to be corrected
- Prepare a cost estimate and offer guidance on contractors, repair work, and other construction questions
- Conduct on-site inspections during and after construction to confirm the work is done and approve payment
📋 Other Things to Know
Borrowers must certify they intend to reside as owner-occupants on the property. As noted above, the loan is secured by a mortgage on the home, and loan fees are subject to change. For full terms and current details, the City is the best source.
📝 How to Apply
You can request a loan application directly from the City:
- Online at honolulu.gov/dcs/cad
- By phone at (808) 768-7076
- In person at the Department of Community Services, Rehabilitation Loan Branch, 51 Merchant Street, 1st Floor, Honolulu, HI 96813
🤝 How Our Team Can Help
The City administers this program directly — but we’re always glad to be a local resource. As a top-performing team at REMAX Hawaii West Oʻahu, we can help you:
- Think through whether repairing or selling better fits your goals
- Understand how a program like this fits into your bigger picture
- Get pointed to the right City contacts to apply
- And if you ever decide to sell, give you a clear, honest read on your home’s value
🏠 Have Questions?
Whether you’re weighing repairs, thinking about the future of your home, or just exploring your options, we’re happy to help point you in the right direction.
Exploring Your Options as a Homeowner?
Ask us about the City’s Rehabilitation Loan Program, weigh repairing vs. selling, or get a clear read on your home’s value — we’re glad to help.
Or call or text (808) 351-8394 · TeamCastaneda@REMAXHawaii.com
Joe Castaneda (R) RB-23007 · REMAX Hawaii West Oahu
This program is administered by the City and County of Honolulu, Department of Community Services. For official details, applications, and current income limits, visit honolulu.gov/dcs/cad, call (808) 768-7076, or visit the Rehabilitation Loan Branch at 51 Merchant Street, 1st Floor, Honolulu, HI 96813. Loan amount, income limits, fees, and terms are subject to change. Brochure last revised 6/1/2026. This page is for general information only and is not a commitment to lend.