Homebuyer Resources

*NOTE: KCLT does not have any currently available properties for home buyers or renters, but

NOW is the time to PREPARE FOR HOMEOWNERSHIP and

GET ON THE LIST

TAKING THESE STEPS ALSO PREPARES YOU FOR OTHER OWNERSHIP OPPORTUNITIES SUCH AS SELF-HELP OR MARKET HOMES!

Pathway 1: You own the home, KCLT owns the land.

Pathway 2: You own the home and the land, but accept a Kamaʻāina Housing Easement* - a deed restriction that limits the price you can sell for in the future. This is how you pay forward the communityʻs investment in your homeownership.

*Kamaʻāina Housing Easement: more information coming soon

Step 1

Understand how Kohala Community Land Trust Keeps Housing Affordable for Future Generations and Become a Member

Become a Member

Interested Buyer Form

Step 2

Confirm Your Eligibility for KCLT Housing

KCLT is a non-profit organization and our Bylaws require that we serve residents who are:

Low and moderate-income*
Of North Kohala
Most in need
Struggling to keep shelter burden at or below 30% of income

*"Low and moderate-income” is defined using Hawaiʻi County published tables.

If you believe you meet the Threshold Criteria, please fill out the Interested Buyer form to begin the process of financial qualification.

Step 3

Demonstrate Financial Readiness for Homeowners

Option 1

Complete:

(a) Homebuyer Education Workshop
(b) Financial Education Workshop

And provide evidence of a Certificate of Completion from our partner Hawaiian Community Assets.

Option 2

Provide a Pre-Approval Letter (with verification of income and assets) from a Hawai'i based lender familiar with leasehold property mortages.

Recommended Lender List:

Coming Soon

Need to speak with a human?

Additional Affordable Housing Resources

Are you a North Kohala resident interested in building your own home?

Hawai'i Island Community Development Corporation (HICIDC)

Mutual Self Help Housing Program - Learn more about how to qualify and apply, and visit HICDC's website above for more resources.

Renter Resources

Are you a renter in North Kohala looking for affordable housing assistance?

Section 8 - County Office of Housing and Community Development

Housing Assistance (Section 8)

Interested Renter Form + Rental Assistance

Tenant Resources