# Hawaii HB 2270: RELATING TO THE DOWNPAYMENT LOAN ASSISTANCE PROGRAM.

Hawaii HB 2270, RELATING TO THE DOWNPAYMENT LOAN ASSISTANCE PROGRAM., is a 2025–2026 Regular Session (Year 2) House bill sponsored by Nadine K. Nakamura (Democratic); status signed, last action 2026-07-08 (Act 214, 07/08/2026 (Gov. Msg. No. 1316).); PRIA reads it as touching household money (as of 2026-11-01).

- Canonical: https://policyrisk.com/state-bill/HI-HB2270-2026
- As of: 2026-11-01
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: Hawaii HB 2270
- State: Hawaii
- Session: 2025–2026 Regular Session (Year 2)
- Title: RELATING TO THE DOWNPAYMENT LOAN ASSISTANCE PROGRAM.
- Status: signed
- Chamber: House
- Introduced: 2026-01-26
- Last action: 2026-07-08, Act 214, 07/08/2026 (Gov. Msg. No. 1316).
- Sponsor: Nadine K. Nakamura (Democratic)
- Cosponsors: 0
- Subjects: HHFDC, Downpayment Loan Assistance Program, HOU, WAM
- Touches household money: yes
- Roll calls: 10 (221 yes, 0 no in all)
- Economic provisions PRIA read: 2

## 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)

## Bill overview: provisions PRIA read

- Changing rates and repayment for homebuyers: mixed, medium. 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 ne…
- More help for Hawaii homebuyers: mixed, medium. 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 limi…

## Sponsors and cosponsors

- Sponsor: Nadine K. Nakamura (Democratic), House

## Roll call votes

| Date | Chamber | Motion | Result | Yes | No | Other |
| --- | --- | --- | --- | --- | --- | --- |
| 2026-05-06 | House | House Floor Vote | pass | 51 | 0 |   |
| 2026-04-29 | House | The Conference Committee recommends that the measure be Passed, with Amendments.... | pass | 3 | 0 |   |
| 2026-04-29 | Senate | The Conference committee recommends that the measure be PASSED, WITH AMENDMENTS.... | pass | 3 | 0 |   |
| 2026-04-14 | Senate | Senate Floor Vote | pass | 25 | 0 |   |
| 2026-04-07 | Senate | The committee(s) on WAM recommend(s) that the measure be PASSED, UNAMENDED. The... | pass | 12 | 0 |   |
| 2026-03-17 | Senate | The committee(s) on HOU recommend(s) that the measure be PASSED, WITH AMENDMENT... | pass | 4 | 0 |   |
| 2026-03-05 | House | House Floor Vote | pass | 49 | 0 |   |
| 2026-03-02 | House | The committee on FIN recommend that the measure be PASSED, UNAMENDED. The votes ... | pass | 15 | 0 |   |
| 2026-02-19 | House | Passed Second Reading as amended in HD 1 and referred to the committee(s) on FIN... | pass | 50 | 0 |   |
| 2026-02-13 | House | The committee on HSG recommend that the measure be PASSED, WITH AMENDMENTS. The ... | pass | 9 | 0 |   |

## Actions (47)

- 2026-07-08: Act 214, 07/08/2026 (Gov. Msg. No. 1316). (Senate)
- 2026-07-08: Act 214, on 07/08/2026 (Gov. Msg. No. 1316). (House)
- 2026-05-08: Received notice of passage on Final Reading in House (Hse. Com. No. 888). (Senate)
- 2026-05-07: Transmitted to Governor. (House)
- 2026-05-06: Passed Final Reading, as amended (CD 1). Ayes, 25; Aye(s) with reservations: none . 0 No(es): none. 0 Excused: none. (Senate)
- 2026-05-06: Passed Final Reading as amended in CD 1 with none voting aye with reservations; none voting no (0) and none excused (0). (House)
- 2026-05-06: Received notice of Final Reading (Sen. Com. No. 816). (House)
- 2026-05-01: Reported from Conference Committee (Conf Com. Rep. No. 102-26) as amended in (CD 1). (House)
- 2026-05-01: Forty-eight (48) hours notice Wednesday, 05-06-26. (House)
- 2026-05-01: Reported from Conference Committee as amended CD 1 (Conf. Com. Rep. No. 102-26). (Senate)
- 2026-05-01: 48 Hrs. Notice (as amended CD 1) 05-06-26 (Senate)
- 2026-04-29: The 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. (House)
- 2026-04-29: The 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. (Senate)
- 2026-04-28: Conference Committee Meeting will reconvene on Wednesday 04-29-26 10:00AM in conference room 224. (House)
- 2026-04-27: Received notice of Senate conferees (Sen. Com. No. 760). (House)
- 2026-04-27: Bill scheduled for Conference Committee Meeting on Tuesday, 04-28-26 10:03AM in conference room 224. (House)
- 2026-04-24: Senate Conferees Appointed: Chang Chair; Hashimoto Co-Chair; Fevella. (Senate)
- 2026-04-21: House Conferees Appointed: Evslin, Miyake Co-Chairs; Pierick. (House)
- 2026-04-21: Received notice of appointment of House conferees (Hse. Com. No. 799). (Senate)
- 2026-04-17: Received notice of disagreement (Hse. Com. No. 780). (Senate)
- 2026-04-16: House disagrees with Senate amendment (s). (House)
- 2026-04-14: Report adopted; Passed Third Reading. Ayes, 25; Aye(s) with reservations: none . Noes, 0 (none). Excused, 0 (none). Transmitted to House. (Senate)
- 2026-04-14: Returned from Senate (Sen. Com. No. 668) in amended form (SD 1). (House)
- 2026-04-10: Reported from WAM (Stand. Com. Rep. No. 3739) with recommendation of passage on Third Reading. (Senate)
- 2026-04-10: One Day Notice 04-14-26. (Senate)
- 2026-04-07: The 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.. (Senate)
- 2026-04-02: The committee(s) on WAM will hold a public decision making on 04-07-26 10:31AM; Conference Room 211 & Videoconference. (Senate)
- 2026-03-30: Reported from HOU (Stand. Com. Rep. No. 3209) with recommendation of passage on Second Reading, as amended (SD 1) and referral to WAM. (Senate)
- 2026-03-30: Report adopted; Passed Second Reading, as amended (SD 1) and referred to WAM. (Senate)
- 2026-03-17: The 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. (Senate)
- 2026-03-12: The committee(s) on HOU has scheduled a public hearing on 03-17-26 1:05PM; Conference Room 225 & Videoconference. (Senate)
- 2026-03-10: Referred to HOU, WAM. (Senate)
- 2026-03-06: Received from House (Hse. Com. No. 90). (Senate)
- 2026-03-06: Passed First Reading. (Senate)
- 2026-03-05: Reported from FIN (Stand. Com. Rep. No. 858-26), recommending passage on Third Reading. (House)
- 2026-03-05: Passed Third Reading with none voting aye with reservations; none voting no (0) and Representative(s) Perruso excused (1). Transmitted to Senate. (House)
- 2026-03-02: The 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. (House)
- 2026-02-27: The committee(s) on FIN recommend(s) that the measure be deferred until 03-02-26. (House)
- 2026-02-27: Bill scheduled for decision making on Monday, 03-02-26 10:00AM in conference room 308 VIA VIDEOCONFERENCE. (House)
- 2026-02-24: Bill scheduled to be heard by FIN on Friday, 02-27-26 2:00PM in House conference room 308 VIA VIDEOCONFERENCE. (House)
- 2026-02-19: Reported from HSG (Stand. Com. Rep. No. 572-26) as amended in HD 1, recommending passage on Second Reading and referral to FIN. (House)
- 2026-02-19: Passed 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). (House)
- 2026-02-13: The 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. (House)
- 2026-02-10: Bill scheduled to be heard by HSG on Friday, 02-13-26 9:00AM in House conference room 430 VIA VIDEOCONFERENCE. (House)
- 2026-01-30: Referred to HSG, FIN, referral sheet 5 (House)
- 2026-01-28: Introduced and Pass First Reading. (House)
- 2026-01-26: Pending introduction. (House)

## Bill text

- Bill Text: [PDF](https://data.capitol.hawaii.gov/sessions/session2026/bills/HB2270_CD1_.pdf)
- HB2270_CD1: [HTML](https://data.capitol.hawaii.gov/sessions/session2026/bills/HB2270_CD1_.HTM)
- HB2270_HD1: [HTML](https://data.capitol.hawaii.gov/sessions/session2026/bills/HB2270_HD1_.HTM)
- HB2270_SD1: [HTML](https://data.capitol.hawaii.gov/sessions/session2026/bills/HB2270_SD1_.HTM)
- Original: [HTML](https://data.capitol.hawaii.gov/sessions/session2026/bills/HB2270_.HTM), [PDF](https://data.capitol.hawaii.gov/sessions/session2026/bills/GM1316_.PDF)

## Related bills

- SB 847: RELATING TO PSYCHOLOGISTS. (became law)
- HB 2023: RELATING TO TRANSPORTATION. (signed)
- HB 2021: RELATING TO TRANSPORTATION. (signed)
- SB 2338: RELATING TO HOUSING. (signed)
- HB 2344: RELATING TO SCHOOL FACILITIES. (signed)
- HB 1973: RELATING TO HEALTH. (signed)

## Sources
- [Bill Text (PDF)](https://data.capitol.hawaii.gov/sessions/session2026/bills/HB2270_CD1_.pdf)
- [HB2270_CD1 (HTML)](https://data.capitol.hawaii.gov/sessions/session2026/bills/HB2270_CD1_.HTM)
- [HB2270_HD1 (HTML)](https://data.capitol.hawaii.gov/sessions/session2026/bills/HB2270_HD1_.HTM)
- [HB2270_SD1 (HTML)](https://data.capitol.hawaii.gov/sessions/session2026/bills/HB2270_SD1_.HTM)
- [Original (HTML)](https://data.capitol.hawaii.gov/sessions/session2026/bills/HB2270_.HTM)
- [Original (PDF)](https://data.capitol.hawaii.gov/sessions/session2026/bills/GM1316_.PDF)

## Related
- [SB 847: RELATING TO PSYCHOLOGISTS.](https://policyrisk.com/state-bill/HI-SB847-2026)
- [HB 2023: RELATING TO TRANSPORTATION.](https://policyrisk.com/state-bill/HI-HB2023-2026)
- [HB 2021: RELATING TO TRANSPORTATION.](https://policyrisk.com/state-bill/HI-HB2021-2026)
- [SB 2338: RELATING TO HOUSING.](https://policyrisk.com/state-bill/HI-SB2338-2026)
- [HB 2344: RELATING TO SCHOOL FACILITIES.](https://policyrisk.com/state-bill/HI-HB2344-2026)
- [HB 1973: RELATING TO HEALTH.](https://policyrisk.com/state-bill/HI-HB1973-2026)
- [Hawaii bills](https://policyrisk.com/states/hawaii/bills)
- [Hawaii state hub](https://policyrisk.com/states/hawaii)
- [All state legislation](https://policyrisk.com/state-bills)

Source: PRIA, https://policyrisk.com/state-bill/HI-HB2270-2026 (as of 2026-11-01).