Review different funding options available for your home rehabilitation or renovation.  Some of these loans/programs may be applicable to financing an accessory dwelling unit or ohana unit on Oahu.  Inquire with the lender or program provider to find out more information.

If you have a loan quote from a lender and a project quote from a contractor, try out this ADU finance calculator.  It will give you an estimate of the costs associated with having an ADU and the net income you can bring in from renting it out.

Hawaiian Community Assets (HCA) is a HUD-certified financial education and housing counseling agency that can assist you and your ohana to become financially qualified to secure loans and/or grants to build your ADU.

Sign up for HCA’s free services and you will be matched with a dedicated counselor who will help you develop a budget, review your credit report, conduct a mortgage qualification assessment, and assist you in applying for grants and loans to help build your ADU.

Client Intake

To enroll in HCA’s free services, you will first need to complete and submit a client intake packet along with copies of financial documents.

You can download a client intake packet online at www.hawaiiancommunity.net or call HCA at (808) 587-7886 to request a client intake packet.

Homebuyer Education Workshop

Once you enroll in HCA’s services, you will be enrolled in an 8-hour homebuyer education workshop that will teach you financial management, the loan process, how to secure mortgage financing, homebuying resources, and more.

Individualized Counseling

Our certified Counselors work with you and your ohana to develop a customized financial action plan to build savings, pay down debt, and improve credit so you can financially qualify for an ADU.  During sessions, HCA counselors will refer you to additional services and enroll you in loans and grants to help make your ADU a reality!

Financial Products

HCA also provides access to loans and grants to help qualified individuals build their ADUs.  The grants and loans include:

• Housing Assistance Micro-Loan: Loans up to $25,000 to build your home.
• HCA MATCH Savings Accounts: 2:1 match on $1,000 saved by you and your ohana to help pay for your ADU.
• Punawai IDA:  2:1 match on $1,000 saved by you and your ohana to help pay for your ADU.