DHHL Mortgage Relief Program

Funded by U.S. Department of Treasury & NAHASDA

Our Purpose

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The Council for Native Hawaiian Advancement is partnering with the Department of Hawaiian Home Lands to provide mortgage and utility assistance for DHHL lessees impacted by the COVID-19 pandemic.


Eligible Expenses

Who can Qualify

Documents Needed to Apply

Eligible Expenses

Eligible Expenses

  • Mortgage (maximum of 12 months)
  • Mortgage Arrears from April 2020 to current
  • Utilities (electric, gas, water/sewer, trash)
  • Homeowners Insurance
  • Property Tax
  • Homeowners/Flood Insurance & Association/Common Area Fees

Funds will go directly to vendors whom you have an obligation with.

Who Can Qualify

Eligibility Requirements

  • Be 18 years or older
  • Be a DHHL Lessee and homeowner on homestead land
  • Prove one or members of household has qualified for unemployment benefits or experienced a reduction in household income, incurred significant costs, or other financial hardship due to COVID-19
  • Demonstrate a risk of experiencing homelessness or housing instability, unsafe or unhealthy living conditions, or any other evidence of such risk
  • Meet income qualification—less than 80% Area Median Income (AMI). Amount differs by county. See the chart below.

80% Area Median Income (AMI) Table for Hawaiʻi

Household Size

Honolulu County

Hawai‘i County

Kauai County

Maui County

1 person $73,400 $63,400 $67,600 $64,900
2 people $83,850 $72,450 $77,250 $74,150
3 people $94,350 $81,500 $86,900 $83,400
4 people $104,800 $90,550 $96,550 $92,650
5 people $113,200 $97,800 $104,300 $100,100
6 people $121,600



7 people $130,000




8 people





Documents Needed to Apply

Required Documents

  1. DHHL Lease
  2. Photo ID & Proof of Residency (one of the following):
    • Valid Hawaiʻi State ID,
    • Hawaiʻi Driver License
    • U.S. Passport showing residency​
  3. Proof of Hardship (all that are applicable):​
    • Past due bills
    • Unemployment (UI) Document
    • Reduction in income or increase in living expenses
  4. Income Statement:
    • Documentation that shows income is at or below 80% AMI from everyone in the household
      • 2022 Tax Documents (i.e., 1040, W2, 1099), OR
      • 2 Months most recent income verifying documents
        • example: paystubs, UI statements, public benefit statements, other income
  5. Bill Documentation:
    • Mortgage Bill
    • Utilities
  6. Housing Counseling
    • ​All approved applications will be referred to DHHL for individualized Housing Counseling
  7. I/W Wait List Rank Number
Department of Hawaiian Homelands Logo

Are you on the DHHL Waiting List?

Click the button below to see the current DHHL Application Waiting List.

This program is being supported in whole, by federal award number 23.021 awarded to the Department of Hawaiian Home Lands by the U.S. Department of the Treasury.

What We Do

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Rent & Mortgage Relief

We can help you find the resources you need for your ʻohana to thrive -from mortage to utilities and assistance programs.

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