City & County of Honolulu DCS Rehabilitation Loan Program

City & County of Honolulu, Department of Community Services, Community Assistance Division

Available Home Repair

About This Program

The Grant Map catalogs City & County of Honolulu DCS Rehabilitation Loan Program in its Honolulu, HI research directory. The record carries audience tags for homeowners; those tags do not establish eligibility or current service coverage.

The City and County of Honolulu's Rehabilitation Loan Program provides 0% interest loans to income-qualified owner-occupants to repair homes to minimum housing quality standards. Eligible repairs include termite damage, roofing, electrical, plumbing, and accessibility modifications. Note: due to federal, state, and city regulatory requirements including Historic Preservation review, processing takes at least one year, not suitable for emergency repairs.

Interest rate is 0% for income-qualified borrowers at or below 80% AMI. Loan term and amount vary by income level and repair scope. Applications take 12+ months to process.

The cited program-specific URL responded on 2026-07-21; confirm current terms.

Record set last reviewed 2026-04-03. How we verify our data.

Other published resources for Honolulu, HI, are listed below. Review each separately and ask the administrators whether they can coordinate funding for the same work:

Key Details

  • 0% interest rehabilitation loan for owner-occupants up to 80% of Oahu median income
  • Covers roofing, termite damage, plumbing, electrical, accessibility
  • Processing takes at least 12 months, not for emergency repairs
  • Apply at 51 Merchant Street, 1st Floor, Honolulu, HI 96813
  • Call DCS Community Assistance Division: 808-768-7076

How to Apply

Review possible next steps Open Cited Source Track this program

Program phone: 808-768-7076

Some programs require contractor estimates, licenses, or inspections. A cited link may be general, so confirm the current rules with the administrator before hiring; a directory match does not guarantee contractor eligibility or funding.

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Your application paperwork

Documents you will likely need

  • Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
  • A government-issued photo ID for every owner on title.
  • Documentation of disability (award letter or a physician's statement) if the program is disability-based.
  • A written estimate from a licensed contractor for the work (many programs require this to apply).
  • Photos of the problem area or the work to be done.
  • The program's own application form, completed (use the official link or phone number on this page).
Download this checklist (PDF)

Requirements vary by program and locality. Confirm the exact rules and application route with the administrator. We can help you prepare your paperwork, but you submit it yourself.

Deadline: Rolling

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Frequently asked questions

What amount is listed for City & County of Honolulu DCS Rehabilitation Loan Program in Honolulu, HI?

The Grant Map record states: Loan amount based on repair scope; income-scaled interest rate (0% for lowest income). Confirm the current amount and eligible costs with the administrator.

What audience tags are recorded for City & County of Honolulu DCS Rehabilitation Loan Program in Honolulu?

The directory record carries audience tags for homeowners. It carries a senior-related tag. These tags do not establish eligibility; confirm the complete current rules with the administrator.

How do I apply for City & County of Honolulu DCS Rehabilitation Loan Program in Honolulu, HI?

Confirm the application route directly with City & County of Honolulu, Department of Community Services, Community Assistance Division; use the cited source on this page as a starting point or call 808-768-7076. Confirm any fee or cost with the administrator.

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