City & County of Honolulu, Department of Community Services, Community Assistance Division
City & County of Honolulu DCS Rehabilitation Loan Program is available to homeowners in Honolulu, HI.
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.
Official program page checked live on 2026-06-22.
Data last verified 2026-04-03. How we verify our data.
In Honolulu, HI, you can combine this program with other local help to cut your cost:
A grant-savvy contractor in Honolulu, 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 Honolulu early keeps your application moving.
Get matched with a contractorEach program sets its own contractor rules. Check the official program page for exact requirements.
Documents you will likely need
Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.
Deadline: Rolling
Ask us. It is free, and a real person answers within a business day.
Email us about this programLoan amount based on repair scope; income-scaled interest rate (0% for lowest income).
City & County of Honolulu DCS Rehabilitation Loan Program is open to homeowners in Honolulu, HI. It serves seniors.
Apply directly with City & County of Honolulu, Department of Community Services, Community Assistance Division using the official program link on this page or call 808-768-7076. There is no middleman and no fee.
Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.
Rebates and discounts that stack on top of any grant. Most are free to use.
This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.
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