HHFDC Affordable Housing Program

"Affordable Housing" is a general term, but it may also refer to the State of Hawaii's Affordable Housing program run by the Hawaii Housing Finance and Development Corporation (HHFDC). The program was designed to help qualifying residents purchase homes for less than market rates.

Below are the general requirements to qualify:

  1. Must be 18 or older.
  2. Must be a Hawaii Resident.
  3. Must be a US Citizen or permanent resident alien.
  4. Does not own a majority interest in any property anywhere.
  5. Does not have a spouse or household member who owns a majority interest in any property anywhere.
  6. Has never purchased affordable housing before (exceptions apply).
  7. Must make enough income to qualify for a loan to finance the purchase, but make less than a designated percentage of the area median income (AMI). Limits vary with project. See the AMI table below.
  8. Demonstrates a need for affordable housing.

Click here to view HHFDC's 2023 AMI income limits for Oahu, Maui, Kauai, and the Big Island of Hawaii.

Affordable Housing Occupancy Requirements

You must reside in the unit purchased for 10 years, though you can sell it at anytime with restrictions.

Time may vary on a case-by-case basis.

Real Estate Developments that offer or have offered affordable housing via HHFDC's Affordable Housing program

Are you learning about the right affordable program?

All new homes or condos in Hawaii will share which program they're using on their client applications or website. Below is a list of other common Affordable programs in Hawaii.