Do you qualify?
To be eligible to purchase a home with Habitat for Humanity, potential homeowners must meet these areas of qualification:
- You must have a steady income.
- You must have a need for housing.
- You must be willing to partner.
- In the state of Hawai’i, you must currently own land without a mortgage or be named as the lessee on a long term (more than 30 years remaining) leasehold (i.e. DHHL and HHFDC).
To download a full list of qualifications click here: PDF
*Specific income guidelines will be discussed once a family or individual has submitted an application. Habitat does not discourage anyone from applying for our homeownership program. However, please note that in addition to meeting Habitat’s monthly income and debt requirements, an applicant must not have filed bankruptcy or had property foreclosed on within the past three years. All court fees, fines, time served, community service, etc. must be fully satisfied and any civil judgment or tax lien paid in full or satisfied prior to being accepted into the homeownership program.
We’re offering a hand up, not a hand out
Habitat for Humanity homes are not given away. When a family or individual partners with Habitat, they invest sweat equity by building their home and the homes of others. Each family also participates in financial literacy courses and much more. In short, the path to homeownership isn’t easy, but owning your own affordable home is very much worth the investment.
What does a partnership with Honolulu Habitat mean?
Building a home with Honolulu Habitat is a partnership. Habitat works to find the best funding and mortgage strategy possible for families in our service area.
The hours you spend building your house, and helping other families build theirs, is called sweat equity. Each adult family member is required to complete 275 hours of sweat equity during their home build. If a family member has physical limitations, Habitat will work with the family to identify other opportunities to fulfil their sweat equity requirements.
We also ask Habitat families to participate as public ambassadors for our mission. Because we rely heavily on donations to pay for building materials, Habitat homeowners play a vital role in helping our community understand the impact of our work by sharing their story.
Finally, being a partner also means faithfully making mortgage payments every month. Your mortgage payments go directly into a fund that enables us to build more houses for more families on O’ahu.
How to apply:
Every year we host a series of information sessions for potential homebuyers to learn about and apply for our Home Build program.
Complete the below interest form to learn more about becoming a homeowner with Honolulu Habitat for Humanity.
Homeownership Has Perks
When you receive the keys to your new Habitat home, you will quickly begin realizing the benefits of safe, decent, and affordable housing.
Provide your family with a safe, stable home environment to return to at the end of every day.
We work with you to ensure that your new home is affordable so you can continue to improve your financial health and use your resources efficiently.
You Own It
Your new home will be a lasting asset and legacy for future generations.
We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtain housing because of race, color, religion, sex, handicap, familial status, or national origin.