In order to qualify for Hale Kaiola, an applicant must meet ALL of the following requirements:

1. Be a citizen of the United States or a permanent resident alien.

2. Must be a resident of Maui County. “Resident” means a person who meets the following criteria:

   • Currently employed in the County;

   • Retired from employment in the County, having worked in the County immediately prior to retirement;

   • A full-time student residing in the County;

   • A disabled person residing in the County who was employed in the County prior to becoming disabled;

   • The parent or guardian of a disabled person residing in the County;

   • A spouse or dependent of any such employee, retired person, student, or disabled person residing in the County; or

   • In the event of the death of the employee, retired person, student, or disabled person, the spouse or dependent of any such person residing in the County.

3. Be eighteen years of age or older.

4. Have a gross annual family income (not to include the income of minors) which does not exceed 140% of the County’s area median income (AMI), as established by the United States Department of Housing and Urban Development (HUD) , or as adjusted by the Department of Housing and Human Concerns (DHHC), for Hana, Lanai, and Molokai.

5. Have assets that do not exceed 140% of the County’s AMI as established by HUD or as adjusted by DHHC, for Hana, Lanai, and Molokai. Assets shall include all cash, securities, stocks, bonds and real property. Real property shall be valued at fair market value less liabilities on such real property.

6. For a period of 3 years before the submittal of the ownership application, have not had an interest of 50% or more in real property in fee or leasehold in the United States, where the unit or land is deemed suitable for dwelling purposes, unless the buyer is selling a RWH unit and purchasing a different RWH unit that is more appropriate for the buyer’s family size.

7. Pre-qualify for a loan and submittal of Pre-qualification Letter. Pre-qualify for a loan with the applicant's choice of lender.

• Low income: $50,551 to $80,880 household income

• Below-moderate: $80,881 to $101,100 household income

• Moderate: $101,101 to $121,320 household income

• Above-Moderate: $121,321 to $141,540 household income

Unfortunately the County of Maui DHHC Housing Policy does not allow for families to purchase a Workforce home outside of their income AMI range.

We understand many family’s employment situations were volatile over the past couple of years. Some people’s income increased, and some people’s income decreased. However we can only use the tax returns that are most recent or currently available for income qualifying purposes.

You may be eligible to purchase a home at Hale Kaiola as determined by the Developer, Broker team and DHHC. This will be addressed on a case to case basis.

The tax returns most recent or currently available will be used for income qualifying purposes.

Maui County requires the Homebuyer Education counseling program to be HUD-approved. A list of HUD-approved Housing Counseling Agencies is available HERE.

The biggest HOA expenses are homeowner’s insurance and property management/professional services. HOA fees also include utilities, taxes, maintenance for common areas. There are also reserves set aside each month for future maintenance. A full disclosure of all expenses will be provided as part of the Public Report which all buyers will receive during escrow.

There is no restriction on length of ownership. An owner may sell at any time. However, there are certain sales restrictions. (see below)

Maui County Code 2.96.060(B)(2)

Residential workforce housing restrictions-ownership units.

For the deed-restricted period, the following shall apply:

a. The unit must be owner-occupied.

b. The owner must notify the department upon a decision to sell.

c. Upon the owner's decision to sell, the County shall have the first option to purchase the unit from the owner; said option shall be available to the County for a period of ninety days from receipt of written notice from the owner.

d. Upon sale of the unit, the deed restrictions shall remain in full force and effect for the remainder of the deed-restricted period that commenced at the time of the initial sale.

e. Under special circumstances an owner of a residential workforce housing unit may appeal to the department for a waiver of the owner-occupancy deed restriction; these circumstances would include, but are not limited to, assignment to active military duty or short-term contracts for off-island employment.

f. Resale. The maximum resale price shall be established by the department using the following guidelines:

i. An appraisal of the property shall be required before occupancy.

ii. A second appraisal shall be required upon a decision to sell the unit.

iii. Twenty-five percent of the difference between the two appraisals shall be added to the owner's purchase price.

g. An owner of a residential workforce housing unit that is being resold must sell the unit to an income-qualified household and notify the department of the sale. The department shall verify the sales price.

h. The restrictions contained in subparagraphs 2a through 2g above shall not apply in situations of foreclosure.

All pricing and income restrictions for Maui’s Workforce Housing are prepared by the County of Maui Department of Housing and Human Concerns, Housing Division and the Affordable Sales Price Guidelines are published annually. The 2022 guidelines published show Family Adjusted Gross Income levels for For-Sale homes are between $80,881 to $141,540. These are Family adjusted gross income figures as provided for by HUD.