
Homeowner Assistance Program

Eligible assistance types
HCL can help with:
– Past-due mortgage payments (arrears)
– Past-due utilities and home energy costs
– Past-due property taxes
– Homeowner, hurricane, and/or flood insurance
– Homeowners association (HOA) or common area maintenance fees
– Mortgage Principal Reduction (if applicable)
Eligibility requirements
Applicants must:
– reside on Hawaiian Home Lands in a dwelling unit.
– demonstrate financial hardship (e.g., loss of employment, increased household expenses).
– provide documentation of housing instability (e.g., late notices, shut-off warnings, delinquent mortgage statements).
– have household income equal to or less than 80% of the Area Median Income (AMI) as determined by HUD.
– complete one (1) HUD counseling session with a DHHL-approved HUD counseling agency.
– not duplication of federal benefits