Hawaii Home Energy and Mortgage Assistance Program (HEMAP)

Hawaii Housing Finance and Development Corporation

Available Emergency Repair

About This Program

Hawaii Home Energy and Mortgage Assistance Program (HEMAP) is available to homeowners in Kaneohe, HI.

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

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

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

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

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

Get free help applying Visit Official Program Page Track this program

(808) 587-0620

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.

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: Applications accepted through December 31, 2025

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 Energy and Mortgage Assistance Program (HEMAP) provide in Kaneohe, HI?

Up to $50,000 for mortgage and energy costs.

Who qualifies for Hawaii Home Energy and Mortgage Assistance Program (HEMAP) in Kaneohe?

Hawaii Home Energy and Mortgage Assistance Program (HEMAP) is open to homeowners in Kaneohe, HI.

How do I apply for Hawaii Home Energy and Mortgage Assistance Program (HEMAP) in Kaneohe, HI?

Apply directly with Hawaii Housing Finance and Development Corporation using the official program link on this page or call (808) 587-0620. There is no middleman and no fee. Deadline: Applications accepted through December 31, 2025.

Need a Contractor for This Grant?

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