O‘ahu Homeowner Assistance Fund

Mortgage & Utility Relief for Honolulu Residents

E kala mai, we are no longer accepting applications. The O‘ahu Homeowner Assistance Fund Program is closed. 

Our Purpose

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Seeing the community need during this pandemic, The Council for Native Hawaiian Advancement is providing one-time assistance for mortgage and other qualified housing expenses, as well as housing and legal counseling, for homeowners on Oʻahu impacted by the COVID-19 pandemic.


Eligibility Requirements

Eligible Expenses & Priority Groups

Documents Needed to Apply

Mortgage Assistance

Eligibility Requirements

Who Can Qualify

  1. Must be an Oʻahu Resident
  2. Must be 18 or older
  3. Must be a homeowner
  4. AMI at or below 150% per HUD guidelines, with priority given to 100% AMI or below
  5. Must provide proof of financial hardship associated with the COVID-19 pandemic after Jan 21, 2020 (either a 10% decrease in income or 10% increase in expenses)
  6. The household does not have an interest (full or partial interest) in other real property besides the primary residence.
  7. The household does not have more than 5-months of housing expenses in liquid assets.
  8. Eligible Properties are owner occupied, one-unit single family homes (including ‘ohana or accessory dwelling units) or condominium units located on O’ahu.

Eligible Expenses & Priority Groups

Eligible homeowners may receive up to $60,000 in assistance for eligible mortgage and other qualified housing expenses. This includes arrears dating back to January 21, 2020 and may include arrears before then.

Eligible Expenses

  • Mortgage
  • Utilities (electric, gas, water/sewer, trash)
  • Homeowners Insurance fees
  • Homeowners Association/ Maintenance fees
  • PUD community Association Fees  
  • Leasehold Charges 
  • Real Property Tax
  • Housing Counseling services
  • Legal Services

Eligible Expenses Other Qualified Housing Expenses

  • Property taxes,
  • Homeowner Association (HOA) fees,
  • Planned Unit Development (PUD) community association fees,
  • Leasehold payments,
  • Utility payments (electric, gas, water/sewer trash)
  • Hazard, hurricane, flood, or mortgage insurance

Eligible properties are single-family homes with or without mortgages.

Mortgage Assistance

  • Mortgage Reinstatement
  • Mortgage Default Resolution (principal reduction, recast, or loan modification)
  • Mortgage Payment Assistance (up to 12-months)

-Eligible properties are single-family homes only.

-Eligible mortgages are first mortgages and reverse mortgages.

    Priority Groups

    • AMI up to 150% with first-priority at 100% AMI or below.
    • Socially disadvantaged individuals. Socially disadvantaged individuals are those who have experienced socioeconomic hardships for reasons beyond their control, which consequently has had a negative impact on housing stability. Indicators may include being subjected to racial or ethnic prejudice or cultural bias within American society, a resident of a majority-minority Census tract or a persistent-poverty county.
    • Federal Housing Administration (FHA), Department of Veterans Affairs (VA), or U.S. Department of Agriculture (USDA) mortgages.

    Area Median Income (AMI) Table for Hawaiʻi – FY 2023 

    Honolulu County

    Household Size

    PRIORITY Annual Household Income (100% AMI)

    Annual Household Income (150% AMI)

    1 person $96,200 $137,550
    2 people $104,800 $157,200
    3 people $117,900 $176,850
    4 people $131,000 $196,500
    5 people $141,500 $212,250
    6 people $152,000 $227,950
    7 people $162,450 $243,700
    8 people $172,950 $259,400

    Documents Needed to Apply

    Documents Needed to Apply

    NOTE: Documents requested may include but not limited to the following:

    1. Identification
      • Hawaii State ID or Drivers License
        • Passport, Military ID, Out of State ID (with support of Oahu residency)
        • Social Security Card or Tax Documents verifying your social security number
    2. Proof of Homeownership
      • Up to date Mortgage Statement or Foreclosure Notice
      • County Public Record. (accounts for single-family homeowners without mortgages)
    3. Proof of Financial Hardship
      • Unemployment Insurance (UI) Eligibility Letter dated on or after January 21, 2020
      • Screenshot of the most recent approved Unemployment Insurance Payment Receipt online portal dated on or after January 21, 2020
      • Furlough/Layoff Letter dated on or after January 21, 2020.
      • At least 2 months of wage statements indicating a reduction of income dated on or after January 21, 2020
      • Statements showing a 10% increase in household expenses or 10% decrease in household income
    4. Proof of AMI (A or B) 
      • A. Annual Income for calendar year 2022 (may use adjusted gross income as defined for purposes of reporting under IRS Form 1040)
        • 2022 1040
        • Wage Statements (e.g. 2022 W-2’s or 1099s)
        • Interest Statements
        • Unemployment Compensation Statements
        • Documents verifying net income from the operation of a business or profession (e.g. Schedule C, 1099)
        • Documentation indicating full amount received from Social Security, annuities, insurance policies, retirement funds, pensions, disability or death benefits, and other similar types of periodic receipts
        • TANF
        • Child Support
        • B. Two months of most recent income (income source documentation for at least two months prior to submission of the application)
          • Wage Statements (e.g. paystubs)
          • Interest Statements
          • Unemployment Compensation Statements
          • documents verifying net income from the operation of a business or profession (e.g. Profit & Loss Statement)
          • Documentation indicating full amount received from Social Security, annuities, insurance policies, retirement funds, pensions, disability or death benefits, and other similar types of periodic receipts
          • TANF
          • Child Support

      Mortgage Assistance

      Service lender participation is a requirement for mortgage assistance. Here is a list of current participating service lenders:

      • Ally
      • American Pacific Mortgage
      • American Savings Bank
      • Amerihome Mortgage
      • Amerinat
      • Arvest
      • Bank of Hawai’i
      • BSI Financial
      • Caliber Home Loans
      • Carrington
      • Cenlar
      • Central Pacific Bank
      • Citizens Bank
      • Click nʻ Close
      • CMG Financial
      • Fay Servicing
      • Finance Factors
      • Fifth Third Bank
      • First Hawaiian Bank
      • Flagstar Bank
      • Freedom Mortgage
      • Gregory Funding
      • Guaranteed Rate
      • Guild Mortgage
      • Hawaii State Federal Credit Union
      • Homepoint Financial
      • HomeStreet Bank
      • JPMorgan Chase
      • Lakeview Loan Service LLC
      • Loan Care
      • Loan Depot
      • Land Home Financial
      • M&T Bank
      • Midland Mortgage Corporation
      • Mr. Cooper/Right Path Servicing
      • Navy Federal Credit Union
      • NBKC Bank
      • NewRez DBA Shellpoint
      • PennyMac
      • PHH Mortgage Services
      • Planet Home Lending
      • PNC Bank
      • Rocket Mortgage
      • Rushmore Loan Services
      • Select Portfolio Servicing
      • Selene Finance
      • Service Mac
      • Specialized Loan Servicing
      • Territorial Savings Bank
      • The Money Source
      • U.S. Bank Home Mortgage
      • United Wholesale Mortgage
      • USDA Rural Development
      • Wells Fargo Bank

      If your service lender is not listed above, please forward our contact details (ohaf@hawaiiancouncil.org) to them. We are prepared to work with the appropriate service lender contacts and collaborate to assist Oahu’s Homeowners.

      Please complete your application using the Chrome, Firefox or Safari web browsers.

      Have any questions? Contact us by phone at (808) 596-8155 or email at ohaf@hawaiiancouncil.org 

      This project is being supported, in whole or in part, by federal award number HAF0002 awarded to the State of Hawaii by the U.S. Department of the Treasury.

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