Habitat for Humanity Hawai'i Island
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OFFERING IN EAST HAWAII

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​​WHO CAN QUALIFY?
For the East Hawaii offering Hawai'i Island applicants are chosen using the three basic selection criteria: Housing Need, Ability to Pay,  and Willingness to Partner.  We can either build on applicant's land or build on a Habitat property.  Habitat does not discriminate against any applicant because of race, color, religion, sex, marital status, age, familial status, handicap or national origin.  Habitat requires potential homeowners to reside and work on Hawaii Island.  We also do a background check for any criminal behavior including but not limited to the use of illegal substances. 
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Housing Need:  Habitat assists people who do not own a home and are living in “substandard” housing.  (Substandard means that the current housing is unsafe, unhealthy, too small, or costly for the applicant’s income.)  For example, overcrowding (three to a bedroom), unsafe or unsanitary conditions.  Priority is based on the level of need and lack of adequate shelter as well as those families with small children and seniors.

Ability to Pay:  Habitat homebuyers must have a stable income and a reasonable credit history, with no outstanding judgments.  They must also have adequate income to cover taxes, utilities, insurance and maintenance expenses as well as the mortgage payment.  We partner with families with gross earnings between 30% and 80% of current US Department of Housing and Urban Development (HUD) median income.  We will request verification of your financial information in the next phase of the application process.  We take into consideration income for everyone in the household.

​Willingness to Partner:  Partnership includes completing approved pre and post sweat equity hours (500+ hours for a new house), agreeing to the house that Habitat is able to provide inclusive of design, type, style, number of bedrooms and bathrooms, etc., making timely payments, adequately maintaining the home and cooperating so that the house can be completed in a timely manner from the start date.
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Currently, Habitat for Humanity Hawai'i Island encourages families who own their own land (have clean title) free and clear of any mortgage or have a long-term lease (minimum of 30 years remaining) in their name on their land to apply.  Applicants must have a history of paying debts and living up to obligations.  A credit report, income and expense verifying documentation shall be obtained or submitted during the qualifying process and again prior to the family moving into the home.  They must also have the financial resources to pay a down payment which is to pay the required home insurance and real property tax one year in advance.  Applicants must be able to make monthly loan, property tax and insurance payments by the assigned due date. ​ 
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Habitat wants its homeowners to be involved partners, sharing their story throughout the build process and long after they purchase their home.  Most homeowners are encouraged to continue to serve on committees and volunteer to help others to become homeowners in the future.
 
These are the basic criteria.  More detailed information is shared with the families during the application process and is subject to change.​


                                                      2022 INCOME LEVELS     
       % OF MEDIAN                                               PERSONS IN FAMILY
       INCOME         1                  2                 3                  4                  5                  6                  7                 8
          30%       $20,000       $22,850       $26,490       $31,920       $37,350       $42,780       $48,210       $53,640 

          50%       $33,350       $38,100       $42,850       $47,600       $51,450       $55,250       $59,050       $62,850

          80%       $53,350       $60,950       $68,550       $76,150       $82,250       $88,350       $94,450       $100,550

                                            SOURCE: US DEPARTMENT OF HOUSING & URBAN DEVELOPMENT

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Contact Us

73-4161 Ulu Wini Place, Kailua-Kona, Hawai'i 96740
P.O. Box 4619, Kailua-Kona, Hawai'i 96745
808-331-8010​
info@habitathawaiiisland.org
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Hilo ReStore - (808) 935-6677
Kona ReStore - (808) 331-8010
Waimea ReStore - (808) 885-9091


  • HOME
  • PROGRAMS
    • HOMEOWNERSHIP
    • CRITICAL HOME REPAIR - VETERANS PROGRAM
    • CRITICAL HOME REPAIR - USDA RURAL HOUSING PRESERVATION
  • GET INVOLVED
    • VOLUNTEER >
      • VOLUNTEER APPLICATION FORM
    • HAWAII VILLAGE BUILDS/TEAM BUILDS
    • ADVOCATE
    • JOIN OUR TEAM!
  • RESTORES
  • ABOUT US
    • NEWSROOM/REPORTS >
      • WOMEN BUILD 2022
      • TINY HOME 2021
  • DONATE
    • FOUNDATION HUI FORM
    • TATJANA'S MEMORIAL FUND