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Lahaina Homeowner Recovery Program (LHRP)

HAWAII COMMUNITY LENDING

Foundation One-time Housing Grants for NonprofitsDisaster Preparedness & Relief Grants
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Funding Amount

Varies

Deadline

Rolling / Open

Grant Type

foundation

Overview

Lahaina Homeowner Recovery Program (LHRP)

Status: Ongoing support program since August 2023 Maui wildfires

Geographic Scope: Lahaina, Maui

Background: Established following the August 8, 2023 Maui wildfires. The program has supported more than 500 Lahaina homeowners through grants, loans, and one-on-one financial navigation.

Focus Areas:

  • Home reconstruction assistance

  • Financial navigation

  • Connecting homeowners with financing options

  • Construction services connections

  • Addressing funding gaps

  • No-cost lot surveys for property reconstruction

    • Eligible Homeowners:

  • 781 homeowners living in their homes before August 8, 2023 fire

  • Individuals earning more than 80% of Maui County area median income (approximately $90,640+ for family of four) — serve middle-income families excluded from federal assistance

  • Lahaina residents facing reconstruction costs

    • Types of Support:

  • Affordable Loans: HCL originates loans and connects with local banks for additional financing

  • Grants: Recovery and reconstruction support

  • No-Cost Lot Surveys: For eligible homeowners (saves estimated $4.5 million in survey costs)

  • Financial Navigation: One-on-one support

  • Technical Assistance: Help understanding eligibility and accessing resources

    • Partnership & Funding:

  • Managed by Hawaiʻi Community Lending

  • Partnership to Rebuild Lahaina: Collaboration between HCL, Hawaiʻi Community Foundation (Maui Strong Fund), and Maui County

  • $7.5 million awarded through Maui Strong Fund for 77 homeowners

  • $3 million grant from Maui Strong Fund for lot surveys

  • Program aims to unlock estimated $11.7 million in private and public funding

    • Contact & Information:

  • Website: www.hawaiicommunitylending.com

  • Program Manager: Maria Linz (Lahaina resident)

  • Enrollment available at: www.hawaiicommunitylending.com

    • How to Apply

    Application/Enrollment Process

    1. Enroll in the Program: Contact HCL or visit their website to enroll
    2. Eligibility Determination: Verify homeowner status and residence in home before August 8, 2023
    3. Lot Survey Application: If applicable, apply for no-cost lot survey
    4. Financial Assessment: One-on-one navigation to determine financing needs
    5. Loan Origination: HCL originates affordable loans for reconstruction
    6. Connection to Resources: Connected with construction services and local bank financing

      Key Information for Applicants

    • Nearly all 781 homeowners will need surveys to set property lines for rebuilding
    • Upfront costs include surveys, plans, and permits (can cost tens of thousands per family)
    • Program helps bridge funding gaps for underinsured homeowners
    • Financial navigation includes identifying federal assistance and supplemental funding
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    Focus Areas & Funding Uses

    Fields of Work

    housingdisaster-relief

    Categories

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