ADU Program for Homeowners

ADU Loan Forgiveness Program

How it Works

Addressing the need for more housing on the island of Maui to assist displaced families after the wildfires, CNHA is seeking homeowners who are willing to build Accessory Dwelling Units (ADU).

Interested homeowners will need to have approved plans and permits to proceed with building prior to applying for a forgivable loan of up to $50,000. The loan will be forgiven after a homeowner has hosted a displaced, fire-impacted family for three years.

Minimum Required Documents to Apply

Identification
Verification you are the homeowner
Approved ADU Building Plans
Approved Building Permit

Questions? Email loanfund@hawaiiancouncil.org

Apply Online

Frequently Asked Questions

A property owner may only use these funds to build one ADU on their property.
Yes.
In order to increase housing inventory in a timely manner, construction must be completed within 120 days of loan closing. Any delays may subject you to return a portion and/or all loan funding prior to expected due dates.
The homeowner would be responsible for any costs beyond $50,000.
CNHA reserves the rights to inspect the unit throughout the three year period to ensure compliance.
The homeowner will be eligible to apply for the host housing support program and receive a monthly stipend for up to six months at $500 per person per month, not to exceed $2,000 a month. After funding is exhausted, homeowners will be allowed to charge rent up to 80% of the HUD Fair Market Rent. For more information please visit https://www.huduser.gov/portal/datasets/fmr/fmrs/FY2024_code/select_Geography_sa.odn
Yes, a bathroom is required as well a kitchenette for each ADU.
Yes.
Yes, bathrooms are needed and at least a kitchenette.
Upon approval of your loan application, 50% payment will be made with the rest of the funds being released after inspection of the completed ADU.
After three years, CNHA will review your rental records showing you’ve housed a verified survivor of the wildfire for forgiveness of the loan.
https://www.mauicounty.gov/DocumentCenter/View/115660/Ord-4936-Accessory-dwellings

ADU Program for Homeowners

ADU Loan Forgiveness Program

How it Works

Minimum Required Documents to Apply

Frequently Asked Questions

ʻIke aku, ʻike mai, kōkua aku kōkua mai; pela iho la ka nohana ʻohana.

Recognize others, be recognized, help others, be helped; such is a family relationship.

ADU Program for Homeowners

ADU Loan Forgiveness Program

How it Works

Minimum Required Documents to Apply

Frequently Asked Questions

Can a property owner build more than one ADU?

If the property is owned by a trust or a company, is authorization necessary by the trustee or company authorized signer?

Is there a time frame for when the build must be complete?

What if the ADU costs more than $50,000?

Will there be an inspection?

Can a homeowner who builds an ADU charge rent to displaced families?

Do ADUs need to be of a certain size?

Can ADUs be tiny homes or modulars?

Do ADUs need to have a kitchen and bathroom?

When will payment be made?

When will the loan be forgiven?

Where can additional information be found about ADUs?

ʻIke aku, ʻike mai, kōkua aku kōkua mai; pela iho la ka nohana ʻohana.

Recognize others, be recognized, help others, be helped; such is a family relationship.