USDA Zero Down Payment Program- State of Hawaii

  • Loan amount maximum $679,650
  • 1% Upfront Fee (Guarantee Fee) and .35% Annual Fee (Paid Monthly)
  • Minimum 620 credit score for Automated Approval and debt to income ratios above 29/41
  • Minimum 500 credit score for debt to income ratios of 29/41
  • MCC tax credit may be utilized
  • Eligible Properties: 1 Unit Single Family home, Condos and PUD
  • Gifts and/or Seller Credits are allowed to pay for closing costs
  • Not Available in Lava Zone 1

Household Income Limits
Hawaii County 
1-4 Person  5-8 Person 
$95,900 $126,600

Honolulu County
1-4 Person 5-8 Person
$136,150 $179,700

Maui County
1-4 Person 5-8 Person
$108,550 $143,300

Kauai County
1-4 Person 5-8 Person
$112,900 $149,050

Please contact Heidi Lawler at 808-494-5789 or heidi@cap-loan.com for more information. 
To Apply complete the purchase application: https://cap-loans.com/purchaseapplication/

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