OʻAHU HOMEOWNER
ASSISTANCE FUND

MORTGAGE & UTILITY RELIEF FOR HONOLULU RESIDENTS

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Our Purpose

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

Eligible Expenses

  • Mortgage (arrears from January 21, 2020 to current)

  • Utilities (electric, gas, water/sewer, trash)

  • Homeowners Insurance fees

  • Homeowners Association fees

  • Real Property Tax

  • Housing Counseling Services

  • Legal Services

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

Here are the qualifications for the program and the documents needed for an application when the program opens:

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

Priority Group

This program will be available to 1,000 applicants under the priority group:

  • Total household income at or below 100% Area Median Income (AMI).

  • Socially disadvantaged individuals (those who self identify as Native Hawaiian, Pacific Islanders [particularly COFA migrants], Asian Americans, multi-ethnic individuals who identify, at least in part, with any of the aforementioned categories, Black Americans and Hispanic Americans).

Honolulu County 100% Area Median Income (AMI) Table

Household Size

1 person

2 people

3 people

4 people

5 people

6 people

7 people

8 people

$120,800

$130,500

$140,150

$149,800

$159,500

Annual Household Income

$84.600

$96,650

$108,750

Eligibility Requirements

  1. Must be an Oʻahu Resident

  2. Must be 18 or older

  3. Must be a homeowner

  4. AMI at or below 100% per HUD guidelines

  5. Must prove financial hardship associated with the COVID-19 pandemic after Jan 21, 2020 (including hardship that began before Jan 21, 2020, but continued after that date)

  6. Housing Counseling and Legal Aid Services may be required if applicable to your situation.

  7. The Household does not have an interest (full or partial interest) in other real property besides the primary residence.

  8. The Household does not have more than 5-months of housing expenses in liquid assets.

Documents Needed To Apply

  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

  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

  4. Proof of Housing Instability

    • Past due mortgage statement or foreclosure notice

    • Past due utility notice dated no earlier than 300 days prior to the application submission date

    • Utility shut-off notice dated no earlier than 30 days prior to the application submission date

    • Proof Of Unsafe or unhealthy living conditions

    • Applicant’s written attestation of their risk of experiencing housing instability.

  5. Proof of AMI

a. Annual Income for calendar year 2020 (may use adjusted gross income as defined for purposes of reporting under IRS Form 1040)

  • 2020 1040

  • Wage Statements (e.g. 2020 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

Have any questions? Contact us by 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.