Estimated owner-finance down payment by city in Hawaii.
Down payments scale with home prices but flex by financing type. This ranks Hawaii cities by an estimated typical down payment on an owner-financed or low-down deal (12% of estimated median home value). This is a modeled directional comparison, not a survey of actual closings.
Last updated
Hawaii ranking
27 cities ranked. Click any row for the matching local page.
| # | City | Est. typical down payment | Score | |
|---|---|---|---|---|
| 1 | Honolulu | $135,600 | 0 | View → |
| 2 | Waipahu | $130,000 | 0 | View → |
| 3 | Ewa Beach | $129,700 | 0 | View → |
| 4 | Mililani | $134,900 | 0 | View → |
| 5 | Kaneohe | $133,000 | 0 | View → |
| 6 | Kailua | $138,400 | 0 | View → |
| 7 | Hilo | $99,700 | 0 | View → |
| 8 | Pearl City | $127,700 | 0 | View → |
| 9 | Kapolei | $134,800 | 0 | View → |
| 10 | Aiea | $132,100 | 0 | View → |
| 11 | Kailua Kona | $113,200 | 0 | View → |
| 12 | Wailuku | $126,200 | 0 | View → |
| 13 | Kihei | $120,200 | 0 | View → |
| 14 | Kahului | $119,200 | 0 | View → |
| 15 | Lahaina | $114,800 | 0 | View → |
| 16 | Kapaa | $101,200 | 0 | View → |
| 17 | Makawao | $109,600 | 0 | View → |
| 18 | Lihue | $108,600 | 0 | View → |
| 19 | Kamuela | $99,800 | 0 | View → |
| 20 | Haiku | $109,900 | 0 | View → |
| 21 | Waimanalo | $115,300 | 0 | View → |
| 22 | Kula | $116,900 | 0 | View → |
| 23 | Haleiwa | $119,500 | 0 | View → |
| 24 | Wahiawa | $96,200 | 2 | View → |
| 25 | Waianae | $94,200 | 4 | View → |
| 26 | Keaau | $68,000 | 33 | View → |
| 27 | Pahoa | $60,600 | 42 | View → |
Methodology
Estimated down = 12% of estimated median home value (representative of owner-financed and low-down deals). Conventional loans typically require 20%; FHA can be 3.5%. Use as a directional comparison.
FAQ
- Why does down payment vary across Hawaii?
- Home prices vary widely; a 12% down payment scales with the local median. Owner financing often accepts less.
- Is 12% realistic?
- Yes, owner-finance deals commonly land in the 10-20% range. Conventional underwriting usually wants 20% to avoid PMI.
- Can I find lower-down options?
- Browse low-down-payment homes by city, many owner-finance and lease-option deals sit under 10%.
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