Understanding the Homebuyer Opportunity Program Deed Restrictions on Maui
What is the HOP Deed Restriction?
The Hoʻokumu Hou First-Time Homebuyer Opportunity Program (HOP) is a Maui County initiative that provides affordable homeownership opportunities to local residents. In exchange for below-market home prices, buyers agree to restrictive covenants that ensure long-term affordability.
These restrictions are recorded on the property and remain in place for 99 years. That means homeowners and all future owners must comply with the program’s terms—even if the property is resold or transferred.
Download the HOP Deed Restriction Fact Sheet (PDF)Attachment
Visit the official program site: https://hookumuhou.mauicounty.gov/
Key Program Features
- Primary residence only: Must be the homeowner’s main home.
- No vacation or investment use allowed
- Affordability period: 99 years from the original sale
- Maximum Resale Price: Set using County formulas (does not follow market appreciation)
- County Purchase Option: The County has the first right to buy the home when it is sold or foreclosed.
- Approval required for: New mortgages, refinances, liens, or transfers
- Sales are limited to eligible buyers unless County approval is granted for ineligible buyers after marketing
Why It Matters to Buyers and Sellers
HOP properties are not typical real estate transactions. Whether you’re buying or selling one of these homes, it’s critical to understand the limited appreciation, County oversight, and longer timelines involved in resale or financing.
We help clients navigate these complexities with clarity and confidence.
Seller Requirements Before Selling
Selling a HOP property? Here’s what to expect:
- Submit an Intent to Sell to the County at least 45 days before listing.
- Wait for the County’s Purchase Option review (they may choose to buy it back or assign it to an eligible buyer).
- Allow the County and Buyer to inspect the property.
- Complete repairs or set aside funds at closing.
- Sell only to income-qualified buyers unless extended marketing fails after 12 months.
Learn more: https://hookumuhou.mauicounty.gov/
Buyer Responsibilities
New buyers must:
- Use the home as their primary residence
- Pay property taxes and maintain homeowners' insurance
- Notify the County before capital improvements or transferring any interest
- Get County approval before adding a mortgage or refinancing
- Follow all rules outlined in the recorded covenants
Even a foreclosure or improper transfer doesn’t automatically void the restrictions.
Frequently Asked Questions (FAQ)
1. Can I rent out a HOP property as a vacation rental?
2. Can I refinance my mortgage on a HOP home?
- Yes, but only with prior written approval from the County. This includes HELOCs and other liens.
3. How is the resale price determined?
- The County uses a formula based on affordable housing pricing guidelines. This Maximum Resale Price ensures the property remains accessible for future qualified buyers.
4. What if I want to pass the home to my children?
- Certain family transfers (e.g., to a spouse or children who qualify) are permitted but must be pre-approved by the County.
5. What happens if I violate the covenants?
- The County may pursue legal enforcement, exercise its purchase rights, and seek reimbursement for damages or legal costs.
If you’re buying or selling a HOP-restricted property, work with a local expert who understands the process.
Contact Info for Maui HOP Program
County of Maui Office of Recovery – HOP Program
Website: https://hookumuhou.mauicounty.gov/
Phone: (808) 865-4007
In-Person Locations:
- Kakoʻo Maui Relief & Aid Services Center
- 153 E Kamehameha Ave, Suite 101
- Kahului, HI 96732
- Mon–Fri, 9:00 a.m. to 5:00 p.m.
Lahaina Resource Center
- 325 Keawe St., Unit B102 & B105A
- Lahaina, HI 96761
- Mon–Fri, 9:00 a.m. to 5:00 p.m.
Ready to Learn More or Sell Your HOP Home?
Call us at 808-217-8832 or Contact Us Today to schedule a consultation. We’re here to walk you through every step—from paperwork to closing—with professionalism, empathy, and clarity.