Hawaii Home Equity Mortgage Assistance Program (HEMAP)

Hawaii Housing Finance and Development Corporation

Available Home Repair

About This Program

Hawaii Home Equity Mortgage Assistance Program (HEMAP) is available to homeowners in Kailua, HI.

Provides low-interest home repair loans to moderate-income homeowners in Hawaii. Loan terms up to 20 years at below-market rates for essential home repairs and improvements.

Loan estimate based on typical home repair needs at favorable interest rate

Official source site checked live on 2026-06-22.

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

In Kailua, HI, you can combine this program with other local help to cut your cost:

Key Details

  • Low-interest loan up to $25,000
  • Available to moderate-income homeowners
  • Up to 20-year repayment terms
  • Covers essential home repairs and improvements
  • Below-market interest rates

How to Apply

Get free help applying Visit Official Program Page Track this program

(808) 587-0640

A grant-savvy contractor in Kailua, 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 Kailua 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.

Your application paperwork

Documents you will likely need

  • Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
  • A government-issued photo ID for every owner on title.
  • Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
  • A written estimate from a licensed contractor for the work (many programs require this to apply).
  • Photos of the problem area or the work to be done.
  • The program's own application form, completed (use the official link or phone number on this page).
Download this checklist (PDF)

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 applications

Questions about this program?

Ask us. It is free, and a real person answers within a business day.

Email us about this program

Frequently asked questions

How much can Hawaii Home Equity Mortgage Assistance Program (HEMAP) provide in Kailua, HI?

Up to $25,000 loan.

Who qualifies for Hawaii Home Equity Mortgage Assistance Program (HEMAP) in Kailua?

Hawaii Home Equity Mortgage Assistance Program (HEMAP) is open to homeowners in Kailua, HI.

How do I apply for Hawaii Home Equity Mortgage Assistance Program (HEMAP) in Kailua, HI?

Apply directly with Hawaii Housing Finance and Development Corporation using the official program link on this page or call (808) 587-0640. There is no middleman and no fee.

Need a Contractor for This Grant?

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

Get matched with a pro, free Browse Kailua, HI contractors

Find More Programs in Kailua, HI

This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.

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