All Roll Calls
Yes: 221 • No: 0
HawaiiHB 22702025–2026 Regular Session (Year 2)HouseWALLET
RELATING TO THE DOWNPAYMENT LOAN ASSISTANCE PROGRAM.
Sponsored By: Nadine K. Nakamura (Democratic)
Signed by Governor
Summary
Amends the Downpayment Loan Assistance Program by: removing the prohibition on combined loan-to-value ratios; clarifying the Hawaii Housing Finance and Development Corporation's authority to establish interest rates and allow payment waivers and interest forgiveness; authorizing financial institutions, mortgage lenders, and other loan originators to originate downpayment loans; and reducing the borrower's required personal contribution toward the downpayment. Authorizes borrowers to use a portion of a downpayment loan to pay for closing costs, prepaids, and reserves for the purchase of the residential property for which the downpayment loan is provided. Effective 7/1/3000. (SD1)
HHFDCDownpayment Loan Assistance ProgramHOU, WAM
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Bill Overview
Analyzed Economic Effects
2 provisions identified: 0 benefits, 0 costs, 2 mixed.
Changing rates and repayment for homebuyers
HHFDC sets downpayment loan rates based on federal program requirements and market conditions, replacing the old income-based range of 1% to 8%. The new rates are not stated, so borrowers’ costs may rise or fall. HHFDC may waive payments for a period and forgive some or all accrued interest, but neither is automatic. Principal and accrued interest are due when a borrower sells, transfers, or refinances, unless HHFDC sets installment payments; the repayment period may differ from the first mortgage, and borrowers can repay early without a penalty. Borrowers need written approval from HHFDC and the first mortgage lender before selling or transferring the property. They must pay applicable taxes, liens, judgments, assessments, and foreclosure costs, maintain fire and casualty insurance covering the replacement value of improvements, and keep the property in good repair. Insurance proceeds go to the lenders according to their interests and may be used to rebuild unless HHFDC decides otherwise.
More help for Hawaii homebuyers
Eligible Hawaii homebuyers can get state downpayment loans directly from HHFDC or through nonprofits, banks, mortgage lenders, and other qualified originators. The loan is capped at 15% of the purchase price or appraised value, or $60,000, whichever is less; the old 100% combined loan-to-value limit is removed. The required buyer contribution drops from at least 5% to 3% of the sales price, and HHFDC assistance may count toward that amount. Applicants must be U.S. citizens or resident aliens, at least 18, Hawaii residents who plan to live in the home for the loan term, approved by a mortgage lender, and complete housing-agency-approved counseling. Loan money can cover the downpayment, closing costs, prepaids, and reserves; originator fees cannot exceed HHFDC’s prevailing fee amount. The law takes effect upon approval.
Sponsors & Cosponsors
Sponsor
Nadine K. Nakamura
Democratic • House
Cosponsors
There are no cosponsors for this bill.
Roll Call Votes
House vote • 5/6/2026
House Floor Vote
Yes: 51 • No: 0
House vote • 4/29/2026
The Conference Committee recommends that the measure be Passed, with Amendments....
Yes: 3 • No: 0
Senate vote • 4/29/2026
The Conference committee recommends that the measure be PASSED, WITH AMENDMENTS....
Yes: 3 • No: 0
Senate vote • 4/14/2026
Senate Floor Vote
Yes: 25 • No: 0
Senate vote • 4/7/2026
The committee(s) on WAM recommend(s) that the measure be PASSED, UNAMENDED. The...
Yes: 12 • No: 0
Senate vote • 3/17/2026
The committee(s) on HOU recommend(s) that the measure be PASSED, WITH AMENDMENT...
Yes: 4 • No: 0
House vote • 3/5/2026
House Floor Vote
Yes: 49 • No: 0
House vote • 3/2/2026
The committee on FIN recommend that the measure be PASSED, UNAMENDED. The votes ...
Yes: 15 • No: 0
House vote • 2/19/2026
Passed Second Reading as amended in HD 1 and referred to the committee(s) on FIN...
Yes: 50 • No: 0
House vote • 2/13/2026
The committee on HSG recommend that the measure be PASSED, WITH AMENDMENTS. The ...
Yes: 9 • No: 0
Actions Timeline
Act 214, 07/08/2026 (Gov. Msg. No. 1316).
7/8/2026SenateAct 214, on 07/08/2026 (Gov. Msg. No. 1316).
7/8/2026HouseReceived notice of passage on Final Reading in House (Hse. Com. No. 888).
5/8/2026SenateTransmitted to Governor.
5/7/2026HousePassed Final Reading, as amended (CD 1). Ayes, 25; Aye(s) with reservations: none . 0 No(es): none. 0 Excused: none.
5/6/2026SenatePassed Final Reading as amended in CD 1 with none voting aye with reservations; none voting no (0) and none excused (0).
5/6/2026HouseReceived notice of Final Reading (Sen. Com. No. 816).
5/6/2026HouseReported from Conference Committee (Conf Com. Rep. No. 102-26) as amended in (CD 1).
5/1/2026HouseForty-eight (48) hours notice Wednesday, 05-06-26.
5/1/2026HouseReported from Conference Committee as amended CD 1 (Conf. Com. Rep. No. 102-26).
5/1/2026Senate48 Hrs. Notice (as amended CD 1) 05-06-26
5/1/2026SenateThe 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.
4/29/2026HouseThe 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.
4/29/2026SenateConference Committee Meeting will reconvene on Wednesday 04-29-26 10:00AM in conference room 224.
4/28/2026HouseReceived notice of Senate conferees (Sen. Com. No. 760).
4/27/2026HouseBill scheduled for Conference Committee Meeting on Tuesday, 04-28-26 10:03AM in conference room 224.
4/27/2026HouseSenate Conferees Appointed: Chang Chair; Hashimoto Co-Chair; Fevella.
4/24/2026SenateHouse Conferees Appointed: Evslin, Miyake Co-Chairs; Pierick.
4/21/2026HouseReceived notice of appointment of House conferees (Hse. Com. No. 799).
4/21/2026SenateReceived notice of disagreement (Hse. Com. No. 780).
4/17/2026SenateHouse disagrees with Senate amendment (s).
4/16/2026HouseReport adopted; Passed Third Reading. Ayes, 25; Aye(s) with reservations: none . Noes, 0 (none). Excused, 0 (none). Transmitted to House.
4/14/2026SenateReturned from Senate (Sen. Com. No. 668) in amended form (SD 1).
4/14/2026HouseReported from WAM (Stand. Com. Rep. No. 3739) with recommendation of passage on Third Reading.
4/10/2026SenateOne Day Notice 04-14-26.
4/10/2026Senate
Bill Text
Bill Text
HB2270_CD1
HB2270_HD1
HB2270_SD1
Original
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