{"status":200,"message":"Success","data":{"id":"ad500b5d-3228-5aec-8551-962282a742c4","title":"GEM$ Clean Energy Loan Program: Homeowner-Owned Solar + Storage","identifiers":{"systemId":{"registry":{"code":"opp:opengrants:system","url":"https://opengrants.io/common-grants/registries/opp-opengrants-system.json"},"id":"8c55b411-a347-527f-b0ec-aaaaccd0cbb0"},"otherIds":{"opp:opengrants:program":{"registry":{"code":"opp:opengrants:program","url":"https://opengrants.io/common-grants/registries/opp-opengrants-program.json"},"id":"hi:hgia-gems-clean-energy-loan-program-residential"}}},"status":{"value":"custom","customValue":"Confirm with agency","description":"Varies — check official page"},"description":"The Green Energy Money $aver (GEM$) Clean Energy Loan Program finances new solar and storage systems that the homeowner owns, with repayment as a program charge on the monthly electric bill and the obligation tied to the utility meter instead of a person's credit. Loans run up to 25 years at a fixed 5.5% a year. With state funding, HGIA adds subsidies for underserved homeowners that can buy down the system cost or pay for approved ancillary work such as roof repair, meter and electrical upgrades, a solar water heater or a Level 2 EV charger.","funding":{"details":"Subsidy of $10,000 for households below 80% of area median income and $5,000 for households from 80% to under 140%; loan for the system at a fixed 5.5% for up to 25 years","maxAwardAmount":{"amount":"10000.00","currency":"USD"}},"funders":{"primary":{"id":"354dd401-f385-5756-9724-55c515fa6a1f","name":"Hawaiʻi Green Infrastructure Authority","identifiers":{"otherIds":{"org:opengrants:funder":{"registry":{"code":"org:opengrants:funder","url":"https://opengrants.io/common-grants/registries/org-opengrants-funder.json"},"id":"af05b0d8-8e8e-558a-9cd1-138af4d5c3eb","allIds":[{"id":"af05b0d8-8e8e-558a-9cd1-138af4d5c3eb","status":"active"}]},"org:us:hi:agency":{"registry":{"code":"org:us:hi:agency","url":"https://opengrants.io/common-grants/registries/org-us-hi-agency.json"},"id":"HGIA"}}}}},"keyDates":{"otherDates":{"cycle":{"name":"Application cycle","eventType":"other","details":"Subsidies took effect October 21, 2026 and are first-come, first-served while funding lasts. No deadline is stated."}}},"acceptedApplicantTypes":[{"value":"individual","description":"Individual"}],"source":"https://gems.hawaii.gov/homeowner-owned-solar-applications/","customFields":{"contactInfo":{"name":"contactInfo","fieldType":"object","value":{"phone":"(808) 587-3868"},"description":"Program contact","schema":"https://commongrants.org/custom-fields/contactInfo"},"eligibilityCriteria":{"name":"eligibilityCriteria","fieldType":"object","value":{"details":"Total annual gross household income, aggregated across all household members, under 140% of HHFDC's area median income; a Hawaiian Electric, Maui Electric or Hawaiʻi Electric Light customer with at least six months of utility history. The project must be a solar plus storage installation by a GEM$ enrolled contractor, and the post-installation bill must show estimated savings of at least 5%, 10% or 15% depending on the number of past disconnection notices. Low and moderate income homeowners who are Hawaiian Electric, Maui Electric or Hawaiʻi Electric Light customers."},"description":"Who is eligible, in the funder's words","schema":"https://commongrants.org/custom-fields/eligibilityCriteria"},"additionalInfo":{"name":"additionalInfo","fieldType":"object","value":{"url":"https://gems.hawaii.gov/","description":"Hawaiʻi Green Infrastructure Authority grants page"},"description":"Where the agency publishes its programs","schema":"https://commongrants.org/custom-fields/additionalInfo"},"fundingInstrument":{"name":"fundingInstrument","fieldType":"string","value":"grant+loan","description":"grant, loan, grant+loan, tax credit, rebate, in-kind or other","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"fundingSource":{"name":"fundingSource","fieldType":"string","value":"State","description":"State, Federal, Federal and State, or Other","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"lastSyncedAt":{"name":"lastSyncedAt","fieldType":"string","value":"2026-11-15T06:04:25Z","description":"When the OpenGrants record data behind this opportunity was last refreshed (UTC)","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"stateCode":{"name":"stateCode","fieldType":"string","value":"HI","description":"USPS code of the state whose agency offers this funding","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"agencyKey":{"name":"agencyKey","fieldType":"string","value":"hgia","description":"Portal key of the administering agency","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"agencyAbbrev":{"name":"agencyAbbrev","fieldType":"string","value":"HGIA","description":"Administering agency abbreviation","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"agencyUrl":{"name":"agencyUrl","fieldType":"string","value":"https://gems.hawaii.gov/","description":"Administering agency website","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"categories":{"name":"categories","fieldType":"array","value":["Energy","Housing, Community and Economic Development","Disadvantaged Communities"],"description":"Portal categories","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"applicantTypes":{"name":"applicantTypes","fieldType":"array","value":["Individual"],"description":"Portal applicant types","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"applicantTypesNotes":{"name":"applicantTypesNotes","fieldType":"string","value":"Low and moderate income homeowners who are Hawaiian Electric, Maui Electric or Hawaiʻi Electric Light customers.","description":"Notes on who may apply","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"purpose":{"name":"purpose","fieldType":"string","value":"Below-market on-bill loans and subsidies for homeowners installing solar and battery storage.","description":"One-line purpose","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"geography":{"name":"geography","fieldType":"string","value":"Hawaiian Electric, Maui Electric and Hawaiʻi Electric Light service areas","description":"Geographic limits within the state","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"fundingSourceNotes":{"name":"fundingSourceNotes","fieldType":"string","value":"The page credits the funding support of the Hawaiʻi State Legislature.","description":"Notes on the source of funds","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"estimatedAmounts":{"name":"estimatedAmounts","fieldType":"string","value":"Subsidy of $10,000 for households below 80% of area median income and $5,000 for households from 80% to under 140%; loan for the system at a fixed 5.5% for up to 25 years","description":"Estimated award amounts, as published","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"howToApply":{"name":"howToApply","fieldType":"string","value":"Apply through a participating CDFI using the GEM$ Residential Homeowner Application, with ID, the latest federal tax return, the latest electric bill and Green Button data. After Step 1 approval, choose a GEM$ enrolled contractor, who submits the project for Step 2 approval.","description":"How to apply","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"electronicSubmission":{"name":"electronicSubmission","fieldType":"string","value":true,"description":"Where applications are submitted (url: … or email: …)","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"cycle":{"name":"cycle","fieldType":"string","value":"Subsidies took effect October 21, 2026 and are first-come, first-served while funding lasts. No deadline is stated.","description":"Application cycle pattern","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"nextDeadlineDisplay":{"name":"nextDeadlineDisplay","fieldType":"string","value":"Varies — check official page","description":"What the portal shows as the next deadline","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"deadlineSource":{"name":"deadlineSource","fieldType":"string","value":"record-live","description":"editorial, record or cycle","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"stringsAttached":{"name":"stringsAttached","fieldType":"string","value":"The financing is a loan repaid on the electric bill and tied to the meter. Subsidies are only for new solar and storage installations, are first-come, first-served, and depend on funding. The homeowner must own the system and the project must meet the bill savings test.","description":"The catch: match, reporting, restrictions","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"programSlug":{"name":"programSlug","fieldType":"string","value":"hgia-gems-clean-energy-loan-program-residential","description":"Stable program slug within the portal","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"programUrl":{"name":"programUrl","fieldType":"string","value":"https://opengrants.io/grants-in-hawaii/#p-hgia-gems-clean-energy-loan-program-residential","description":"Program card on the portal page","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"opengrantsListingUrl":{"name":"opengrantsListingUrl","fieldType":"string","value":"https://gems.hawaii.gov/homeowner-owned-solar-applications/","description":"Listing URL on the bound OpenGrants record","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"bindingMode":{"name":"bindingMode","fieldType":"string","value":"record","description":"record, upstream, pending-import or none","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"verifiedOn":{"name":"verifiedOn","fieldType":"string","value":"2026-11-11","description":"Date the official page was last checked","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"cardStatus":{"name":"cardStatus","fieldType":"string","value":"published","description":"published, needs_review or retired","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"}},"createdAt":"2026-11-12T03:50:44.853Z","lastModifiedAt":"2026-11-15T14:38:06Z","competitions":[],"awards":[]}}