Zero Down Payment Program with No Income Limits

  • ​FHA first mortgage combined with a 2nd mortgage of 3.5% of purchase price. 
  • Property Types Allowed:  Single Family, 2 unit properties, and HUD approved condos. 
Loan Amount Maximums:

Hawaii County  1 unit $368,000 2 unit $471,100
Honolulu County 1 unit $721,050 2 unit $923,050
Kalawao County 1 unit $657,800 2 unit $842,100
Kauai County 1 unit $713,000 2 unit $912,750
Maui County 1 unit $657,800 2 unit $842,100

  • Primary residence purchase only
  • Minimum credit score is 620 for 1 unit and 640 for 2 units
  • Property must meet HUD minimum health and safety guidelines
  • Program is not restricted to First Time Home Buyers 

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/