Buying a home can feel overwhelming—especially in the wake of the 2023 wildfires—but Maui County’s new First-Time Homebuyer Opportunity Program is here to help families take that next step.

Here’s a quick, easy-to-follow guide to what the program offers and how it works:

What You’ll Get Help With

  • Up to $600,000 in assistance to make homeownership more achievable.
  • Covers key expenses like downpayment, closing costs, discount points, and loan principal buydown.
  • Funded through Community Development Block Grant – Disaster Recovery (CDBG-DR) resources to help Maui rebuild and recover.

Who’s Eligible?

  • You must be a first-time homebuyer, meaning no home ownership in the past three years.
  • Your household income should be at or below 120% of the Area Median Income (AMI).
  • Priority is given to renters displaced by the 2023 Maui wildfires, although the program is open to all who qualify.

Terms You Should Know

  • The assistance amount is based on keeping your housing costs under 30% of your pre-tax monthly income.
  • Eligible properties must be single-family homes, condos, or townhomes within Maui County, and must not be located in a flood zone.
  • You’ll need to live in the home, and if you sell in the future, it must remain affordable for another income-qualified buyer—for 99 years.

How to Apply

At Hawaii VA Loans, we’re here to guide you through every step of this program. From checking eligibility to preparing your loan documents, our team is ready to help make homeownership possible.

📞 Call us today at 808-792-4251 or email [email protected] to get started.

Income Eligibility Examples

For a one-person household, income must be at or below:

  • 50% AMI: $47,150
  • 80% AMI: $75,400
  • 120% AMI: $113,050

Final Thoughts

The First-Time Homebuyer Opportunity Program is a powerful step toward rebuilding stability and creating long-term affordability for Maui families. If you’ve been hoping to buy a home, this program could be the support you need—especially with Hawaii VA Loans here to walk you through the process.

Ready to explore your options? Give us a call at 808-792-4251.