Renting Versus Buying:


Determining when it's better to buy than rent and convert that liability(rent payments) into equity(ownership of a property) is something every renter should consider. Please use this resource page to assist you in that determination.

ATTENTION VETERANS: VA helps veterans, eligible surviving spouses, and active duty servicemembers become homeowners through the VA Home Loan Guaranty. These loans are provided by private lenders. VA guarantees a portion of the loan, enabling the lender to provide you with more favorable terms. 

Affordability Calculator - How much can you afford?

Take advantage of the Federal Housing Administration & Veterans Administration Loan Programs for first time home buyers, don't miss out on an opportunity to own your own home.

Why should you come to the Hawaii HomeOwnership Center?
The Center provides you with all the information and services you need to become a homeowner—all in one place. You will attend a free, one-hour class to get information on what it takes to become a homeowner. The orientation class will give you an introduction to home ownership, assess your readiness to buy a home, and describe the home-buying process. A home could be a single-family, multi-family, condominium or townhouse unit. 

What services are offered by the Center?

  • Home buyer education

  • One-on-one counseling

  • Financial literacy training

  • Referrals to professional services (REALTORS®, lenders, insurance)

  • Post-purchase counseling


How much will these services cost?
The one-hour home buyer orientation class is free to all interested home buyers. If you are interested in taking the next step, you will be asked to fill out an application form and pay $20 for a credit report. 

There is a $100 fee to attend an 8-hour home buyer education class. $50 will be refunded to you when you become a homeowner! 

All one-on-one counseling is included at no additional charge. 

How can you sign up for the free home buyer education orientation?
To enroll, call (808) 523-9500 today. Classes are held weekly at convenient times and locations. Visit for the latest class schedule.

Local Home Ownership Opportunities

FHA Opportunities

Building Stronger Communities




VA Loan Limits

The VA loan maximum limit is $417,000 for a no‐money‐down loan on a single‐family home, but additional amounts are available to qualified borrowers. offers VA High Cost County loan products permitting loans up to $1,000,000.

High Cost County Limit rules:


  •  A 25% down payment is required for any amount over your county limit.


  • You are required to pay the funding fee up front.


  • Your credit score must be 640+ if the loan amount is above $650,000 and sufficient debt‐to‐income ratio to determine what amount you are approved to borrow.


  • Other restrictions may apply. Once you have a pre‐qualified amount, it’s time to start searching for a home. Once you’ve located the property you want to buy, you’ll begin the loan process by filling out two forms:


  • The Uniform Residential Loan Application


  • Borrower's Certification


You’ll also have a checklist of documents and paperwork which must be filled out and/or included. You are required to provide a two year work and residence history, including the names and contact information for your landlords. 

VHA Opportunities