HB 2270HawaiiProcess complete

Homebuyers may count state loan aid toward a three-percent contribution

The proposal would let eligible Hawaii homebuyers count state housing corporation loan help toward a three-percent contribution when buying a home.

What it does

People seeking a downpayment loan would contribute three percent of the home's sales price. They may count loan help from the state housing corporation toward that amount.

The corporation may lend eligible buyers money for a downpayment, up to $60,000. It may set installment payments, pause payments for a period, or forgive some accrued interest.

Argument forSome buyers might need less money of their own up front if they can count the corporation’s loan help toward their three-percent contribution.

Argument againstBorrowers could take on debt that must be repaid when they sell, transfer, or refinance their home, unless the corporation sets installment payments.

More detail

A buyer would contribute three percent of the home's sales price, and corporation loan help may count toward that amount. The qualifications apply to people seeking a downpayment loan to buy a home in Hawaii; buyers must be U.S. citizens or resident aliens, at least eighteen, and bona fide state residents who will live in the home for the loan term. The buyer must also meet the other listed qualifications, including lender acceptance and completing approved homeownership counseling.

The corporation may make downpayment loans and set repayment terms. The corporation may lend directly or through nonprofit groups to people who qualify for the program and have a mortgage lender willing to lend if the required downpayment is made. A loan cannot exceed the lowest of fifteen percent of the home's purchase price, fifteen percent of its appraised value, or $60,000. Interest may range from one to eight percent based on the buyer's income. The borrower may repay early without penalty. The corporation may waive payments for a period or forgive some or all accrued interest. The loan principal and accrued interest are due when the home is sold, transferred, or refinanced, or the borrower repays in installments set by the corporation.

Where do you stand?

Tell your reps

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More on this bill

Where it stands

IntroducedJan 26
Passed HouseMar 5
Passed SenateApr 14
To Governor
Became LawJul 9

Looking ahead

No hearings or votes scheduled.

History

2026
1. Jul 9Act 214, 07/08/2026 (Gov. Msg. No. 1316).Latest
2. Jul 9Act 214, on 07/08/2026 (Gov. Msg. No. 1316).Became Law
3. May 8Received notice of passage on Final Reading in House (Hse. Com. No. 888).Minor
4. May 7Transmitted to Governor.
5. May 6Passed Final Reading, as amended (CD 1). Ayes, 25; Aye(s) with reservations: none . 0 No(es): none. 0 Excused: none.Major
  - Vote recorded Passed Final Reading as amended in CD 1. Result: pass.Lower
6. May 6Passed Final Reading as amended in CD 1 with none voting aye with reservations; none voting no (0) and none excused (0).Major
7. May 6Received notice of Final Reading (Sen. Com. No. 816).Minor
8. May 1Reported from Conference Committee (Conf Com. Rep. No. 102-26) as amended in (CD 1).
9. May 1Forty-eight (48) hours notice Wednesday, 05-06-26.
10. May 1Reported from Conference Committee as amended CD 1 (Conf. Com. Rep. No. 102-26).
11. May 148 Hrs. Notice (as amended CD 1) 05-06-26
12. Apr 29The Conference Committee recommends that the measure be Passed, with Amendments. The votes were as follows: 3 Ayes: Representative(s) Evslin, Miyake, Pierick; Ayes with reservations: none; 0 Noes: none; and 0 Excused: none.Minor
  - Vote recorded The Conference Committee recommends that the measure be Passed, with Amendments. Result: pass.Lower
  - Vote recorded The Conference committee recommends that the measure be PASSED, WITH AMENDMENTS. Result: pass.Upper
13. Apr 29The Conference committee recommends that the measure be PASSED, WITH AMENDMENTS. The votes of the Senate Conference Managers were as follows: 3 Aye(s): Senator(s) Chang, Hashimoto, Fevella; Aye(s) with reservations: none ; 0 No(es): none; and 0 Excused: none.Minor
14. Apr 28Conference Committee Meeting will reconvene on Wednesday 04-29-26 10:00AM in conference room 224.
15. Apr 27Received notice of Senate conferees (Sen. Com. No. 760).Minor
16. Apr 27Bill scheduled for Conference Committee Meeting on Tuesday, 04-28-26 10:03AM in conference room 224.
17. Apr 24Senate Conferees Appointed: Chang Chair; Hashimoto Co-Chair; Fevella.
18. Apr 21House Conferees Appointed: Evslin, Miyake Co-Chairs; Pierick.
19. Apr 21Received notice of appointment of House conferees (Hse. Com. No. 799).Minor
20. Apr 17Received notice of disagreement (Hse. Com. No. 780).Minor
21. Apr 16House disagrees with Senate amendment (s).Minor
22. Apr 14Report adopted; Passed Third Reading. Ayes, 25; Aye(s) with reservations: none . Noes, 0 (none). Excused, 0 (none). Transmitted to House.Passed Senate
  - Vote recorded Report adopted; Passed Third Reading. Result: pass.Upper
23. Apr 14Returned from Senate (Sen. Com. No. 668) in amended form (SD 1).
24. Apr 10Reported from WAM (Stand. Com. Rep. No. 3739) with recommendation of passage on Third Reading.
25. Apr 10One Day Notice 04-14-26.
26. Apr 7The committee(s) on WAM recommend(s) that the measure be PASSED, UNAMENDED. The votes in WAM were as follows: 12 Aye(s): Senator(s) Dela Cruz, Moriwaki, DeCoite, Elefante, Hashimoto, Inouye, Kanuha, Kidani, Kim, Richards, Wakai, Fevella; Aye(s) with reservations: none ; 0 No(es): none; and 1 Excused: Senator(s) Lee, C..Minor
  - Vote recorded The committee(s) on WAM recommend(s) that the measure be PASSED, UNAMENDED. Result: pass.Upper
27. Apr 2The committee(s) on WAM will hold a public decision making on 04-07-26 10:31AM; Conference Room 211 & Videoconference.
28. Mar 30Reported from HOU (Stand. Com. Rep. No. 3209) with recommendation of passage on Second Reading, as amended (SD 1) and referral to WAM.
29. Mar 30Report adopted; Passed Second Reading, as amended (SD 1) and referred to WAM.Minor
30. Mar 17The committee(s) on HOU recommend(s) that the measure be PASSED, WITH AMENDMENTS. The votes in HOU were as follows: 4 Aye(s): Senator(s) Chang, Hashimoto, Elefante, Rhoads; Aye(s) with reservations: none ; 0 No(es): none; and 1 Excused: Senator(s) Fevella.Minor
  - Vote recorded The committee(s) on HOU recommend(s) that the measure be PASSED, WITH AMENDMENTS. Result: pass.Upper
31. Mar 12The committee(s) on HOU has scheduled a public hearing on 03-17-26 1:05PM; Conference Room 225 & Videoconference.
32. Mar 10Referred to HOU, WAM.Minor
33. Mar 6Received from House (Hse. Com. No. 90).Minor
34. Mar 6Passed First Reading.Minor
35. Mar 5Reported from FIN (Stand. Com. Rep. No. 858-26), recommending passage on Third Reading.
  - Vote recorded Passed Third Reading. Result: pass.Lower
36. Mar 5Passed Third Reading with none voting aye with reservations; none voting no (0) and Representative(s) Perruso excused (1). Transmitted to Senate.Passed House
37. Mar 2The committee on FIN recommend that the measure be PASSED, UNAMENDED. The votes were as follows: 15 Ayes: Representative(s) Todd, Takenouchi, Hartsfield, Hussey, Keohokapu-Lee Loy, Kitagawa, Kusch, Lee, M., Miyake, Morikawa, Perruso, Templo, Yamashita, Gedeon, Reyes Oda; Ayes with reservations: none; Noes: none; and 1 Excused: Representative(s) Alcos.Minor
  - Vote recorded The committee on FIN recommend that the measure be PASSED, UNAMENDED. Result: pass.Lower
38. Feb 27The committee(s) on FIN recommend(s) that the measure be deferred until 03-02-26.Minor
39. Feb 27Bill scheduled for decision making on Monday, 03-02-26 10:00AM in conference room 308 VIA VIDEOCONFERENCE.
40. Feb 24Bill scheduled to be heard by FIN on Friday, 02-27-26 2:00PM in House conference room 308 VIA VIDEOCONFERENCE.
41. Feb 19Reported from HSG (Stand. Com. Rep. No. 572-26) as amended in HD 1, recommending passage on Second Reading and referral to FIN.
  - Vote recorded Passed Second Reading as amended in HD 1 and referred to the committee(s) on FIN. Result: pass.Lower
42. Feb 19Passed Second Reading as amended in HD 1 and referred to the committee(s) on FIN with none voting aye with reservations; none voting no (0) and none excused (0).Minor
43. Feb 13The committee on HSG recommend that the measure be PASSED, WITH AMENDMENTS. The votes were as follows: 9 Ayes: Representative(s) Evslin, Miyake, Cochran, Grandinetti, Kila, Kitagawa, La Chica, Muraoka, Pierick; Ayes with reservations: none; Noes: none; and Excused: none.Minor
  - Vote recorded The committee on HSG recommend that the measure be PASSED, WITH AMENDMENTS. Result: pass.Lower
44. Feb 10Bill scheduled to be heard by HSG on Friday, 02-13-26 9:00AM in House conference room 430 VIA VIDEOCONFERENCE.
45. Jan 30Referred to HSG, FIN, referral sheet 5Minor
46. Jan 28Introduced and Pass First Reading.Minor
47. Jan 26Pending introduction.Introduced

Housing

Issue with this bill?

HB 2270HawaiiProcess complete

Homebuyers may count state loan aid toward a three-percent contribution

The proposal would let eligible Hawaii homebuyers count state housing corporation loan help toward a three-percent contribution when buying a home.

What it does

People seeking a downpayment loan would contribute three percent of the home's sales price. They may count loan help from the state housing corporation toward that amount.

The corporation may lend eligible buyers money for a downpayment, up to $60,000. It may set installment payments, pause payments for a period, or forgive some accrued interest.

Argument forSome buyers might need less money of their own up front if they can count the corporation’s loan help toward their three-percent contribution.

Argument againstBorrowers could take on debt that must be repaid when they sell, transfer, or refinance their home, unless the corporation sets installment payments.

More detail

Where do you stand?

Tell your reps

Take a position to see your representatives and ways to contact them.

More on this bill

Where it stands

IntroducedJan 26
Passed HouseMar 5
Passed SenateApr 14
To Governor
Became LawJul 9

Looking ahead

No hearings or votes scheduled.

History

2026
1. Jul 9Act 214, 07/08/2026 (Gov. Msg. No. 1316).Latest
2. Jul 9Act 214, on 07/08/2026 (Gov. Msg. No. 1316).Became Law
3. May 8Received notice of passage on Final Reading in House (Hse. Com. No. 888).Minor
4. May 7Transmitted to Governor.
5. May 6Passed Final Reading, as amended (CD 1). Ayes, 25; Aye(s) with reservations: none . 0 No(es): none. 0 Excused: none.Major
  - Vote recorded Passed Final Reading as amended in CD 1. Result: pass.Lower
6. May 6Passed Final Reading as amended in CD 1 with none voting aye with reservations; none voting no (0) and none excused (0).Major
7. May 6Received notice of Final Reading (Sen. Com. No. 816).Minor
8. May 1Reported from Conference Committee (Conf Com. Rep. No. 102-26) as amended in (CD 1).
9. May 1Forty-eight (48) hours notice Wednesday, 05-06-26.
10. May 1Reported from Conference Committee as amended CD 1 (Conf. Com. Rep. No. 102-26).
11. May 148 Hrs. Notice (as amended CD 1) 05-06-26
12. Apr 29The Conference Committee recommends that the measure be Passed, with Amendments. The votes were as follows: 3 Ayes: Representative(s) Evslin, Miyake, Pierick; Ayes with reservations: none; 0 Noes: none; and 0 Excused: none.Minor
  - Vote recorded The Conference Committee recommends that the measure be Passed, with Amendments. Result: pass.Lower
  - Vote recorded The Conference committee recommends that the measure be PASSED, WITH AMENDMENTS. Result: pass.Upper
13. Apr 29The Conference committee recommends that the measure be PASSED, WITH AMENDMENTS. The votes of the Senate Conference Managers were as follows: 3 Aye(s): Senator(s) Chang, Hashimoto, Fevella; Aye(s) with reservations: none ; 0 No(es): none; and 0 Excused: none.Minor
14. Apr 28Conference Committee Meeting will reconvene on Wednesday 04-29-26 10:00AM in conference room 224.
15. Apr 27Received notice of Senate conferees (Sen. Com. No. 760).Minor
16. Apr 27Bill scheduled for Conference Committee Meeting on Tuesday, 04-28-26 10:03AM in conference room 224.
17. Apr 24Senate Conferees Appointed: Chang Chair; Hashimoto Co-Chair; Fevella.
18. Apr 21House Conferees Appointed: Evslin, Miyake Co-Chairs; Pierick.
19. Apr 21Received notice of appointment of House conferees (Hse. Com. No. 799).Minor
20. Apr 17Received notice of disagreement (Hse. Com. No. 780).Minor
21. Apr 16House disagrees with Senate amendment (s).Minor
22. Apr 14Report adopted; Passed Third Reading. Ayes, 25; Aye(s) with reservations: none . Noes, 0 (none). Excused, 0 (none). Transmitted to House.Passed Senate
  - Vote recorded Report adopted; Passed Third Reading. Result: pass.Upper
23. Apr 14Returned from Senate (Sen. Com. No. 668) in amended form (SD 1).
24. Apr 10Reported from WAM (Stand. Com. Rep. No. 3739) with recommendation of passage on Third Reading.
25. Apr 10One Day Notice 04-14-26.
26. Apr 7The committee(s) on WAM recommend(s) that the measure be PASSED, UNAMENDED. The votes in WAM were as follows: 12 Aye(s): Senator(s) Dela Cruz, Moriwaki, DeCoite, Elefante, Hashimoto, Inouye, Kanuha, Kidani, Kim, Richards, Wakai, Fevella; Aye(s) with reservations: none ; 0 No(es): none; and 1 Excused: Senator(s) Lee, C..Minor
  - Vote recorded The committee(s) on WAM recommend(s) that the measure be PASSED, UNAMENDED. Result: pass.Upper
27. Apr 2The committee(s) on WAM will hold a public decision making on 04-07-26 10:31AM; Conference Room 211 & Videoconference.
28. Mar 30Reported from HOU (Stand. Com. Rep. No. 3209) with recommendation of passage on Second Reading, as amended (SD 1) and referral to WAM.
29. Mar 30Report adopted; Passed Second Reading, as amended (SD 1) and referred to WAM.Minor
30. Mar 17The committee(s) on HOU recommend(s) that the measure be PASSED, WITH AMENDMENTS. The votes in HOU were as follows: 4 Aye(s): Senator(s) Chang, Hashimoto, Elefante, Rhoads; Aye(s) with reservations: none ; 0 No(es): none; and 1 Excused: Senator(s) Fevella.Minor
  - Vote recorded The committee(s) on HOU recommend(s) that the measure be PASSED, WITH AMENDMENTS. Result: pass.Upper
31. Mar 12The committee(s) on HOU has scheduled a public hearing on 03-17-26 1:05PM; Conference Room 225 & Videoconference.
32. Mar 10Referred to HOU, WAM.Minor
33. Mar 6Received from House (Hse. Com. No. 90).Minor
34. Mar 6Passed First Reading.Minor
35. Mar 5Reported from FIN (Stand. Com. Rep. No. 858-26), recommending passage on Third Reading.
  - Vote recorded Passed Third Reading. Result: pass.Lower
36. Mar 5Passed Third Reading with none voting aye with reservations; none voting no (0) and Representative(s) Perruso excused (1). Transmitted to Senate.Passed House
37. Mar 2The committee on FIN recommend that the measure be PASSED, UNAMENDED. The votes were as follows: 15 Ayes: Representative(s) Todd, Takenouchi, Hartsfield, Hussey, Keohokapu-Lee Loy, Kitagawa, Kusch, Lee, M., Miyake, Morikawa, Perruso, Templo, Yamashita, Gedeon, Reyes Oda; Ayes with reservations: none; Noes: none; and 1 Excused: Representative(s) Alcos.Minor
  - Vote recorded The committee on FIN recommend that the measure be PASSED, UNAMENDED. Result: pass.Lower
38. Feb 27The committee(s) on FIN recommend(s) that the measure be deferred until 03-02-26.Minor
39. Feb 27Bill scheduled for decision making on Monday, 03-02-26 10:00AM in conference room 308 VIA VIDEOCONFERENCE.
40. Feb 24Bill scheduled to be heard by FIN on Friday, 02-27-26 2:00PM in House conference room 308 VIA VIDEOCONFERENCE.
41. Feb 19Reported from HSG (Stand. Com. Rep. No. 572-26) as amended in HD 1, recommending passage on Second Reading and referral to FIN.
  - Vote recorded Passed Second Reading as amended in HD 1 and referred to the committee(s) on FIN. Result: pass.Lower
42. Feb 19Passed Second Reading as amended in HD 1 and referred to the committee(s) on FIN with none voting aye with reservations; none voting no (0) and none excused (0).Minor
43. Feb 13The committee on HSG recommend that the measure be PASSED, WITH AMENDMENTS. The votes were as follows: 9 Ayes: Representative(s) Evslin, Miyake, Cochran, Grandinetti, Kila, Kitagawa, La Chica, Muraoka, Pierick; Ayes with reservations: none; Noes: none; and Excused: none.Minor
  - Vote recorded The committee on HSG recommend that the measure be PASSED, WITH AMENDMENTS. Result: pass.Lower
44. Feb 10Bill scheduled to be heard by HSG on Friday, 02-13-26 9:00AM in House conference room 430 VIA VIDEOCONFERENCE.
45. Jan 30Referred to HSG, FIN, referral sheet 5Minor
46. Jan 28Introduced and Pass First Reading.Minor
47. Jan 26Pending introduction.Introduced

Housing

Issue with this bill?

What it does

Where do you stand?

Choose your position

Tell your reps

More on this bill

Where it stands

Looking ahead

History

What it does

Where do you stand?

Choose your position

Tell your reps

More on this bill

Where it stands

Looking ahead

History