Hawaii loan limits 2026 by county
In 2026, 5 of the 5 counties in Hawaii have a conforming loan limit above the $832,750 national baseline; the highest is $1,299,500 for a one-unit home in Kalawao County and Maui County. FHA limits run from $586,500 to $1,299,500: 5 counties are above the $541,287 national floor. VA has no limit for a veteran with full entitlement; with remaining entitlement it uses the county's conforming one-unit limit.
FHA and conforming loan limits for every Hawaii county
| County | Conforming 2026 | FHA 2026 | FHA area |
|---|---|---|---|
| Hawaii County | $1,249,125 | $586,500 | Hilo-Kailua, HI |
| Honolulu County | $1,249,125 | $828,000 | Urban Honolulu, HI |
| Kalawao County | $1,299,500 | $1,299,500 | Kahului-Wailuku, HI |
| Kauai County | $1,249,125 | $1,110,900 | Kapaa, HI |
| Maui County | $1,299,500 | $1,299,500 | Kahului-Wailuku, HI |
One-unit limits. Each county page has the 2, 3 and 4 unit limits, the VA figure and how the county compares. Conforming limits announced November 25, 2025; FHA limits for 2026.
Highest FHA loan limits in Hawaii
Kalawao County ($1,299,500), Maui County ($1,299,500), Kauai County ($1,110,900), Honolulu County ($828,000) and Hawaii County ($586,500). HUD sets a county above the floor where 115 percent of its area's median home price is higher than the floor, up to the $1,249,125 ceiling; every county of one HUD area has the same limit.
FHA, VA and conforming limits in Hawaii
- FHA loan limits 2026HUD's floor and ceiling, how a county's limit is set and the highest-limit counties nationally.
- Conforming loan limits 2026FHFA's baseline, the high-cost ceiling and the special Alaska and Hawaii limits, with the announcement calendar.
- VA loan limitsNo limit with full entitlement since 2020; how the county limit sets the guaranty for remaining entitlement.
- Jumbo loan limit 2026The loan size above which a mortgage is jumbo in each county, and the high-balance band.
- Hawaii fair market rentsHUD Fair Market Rents for every Hawaii county, studios to 4 bedrooms.
- Hawaii property tax ratesEffective property tax rate for every Hawaii county from survey data.
For the title side (owner of record, deeds, mortgages, liens), see the counties HeritageDeed covers; a title report is $49 per report.
Questions about Hawaii loan limits
What are the FHA loan limits in Hawaii for 2026?
$586,500 to $1,299,500 for a one-unit home, depending on the county. 5 counties are above the national floor of $541,287, led by Kalawao County ($1,299,500), Maui County ($1,299,500) and Kauai County ($1,110,900); the rest are at the floor. Two to four unit limits are on each county page. HUD's limits apply to case numbers assigned on or after January 1, 2026.
What is the conforming loan limit in Hawaii for 2026?
$1,249,125 to $1,299,500 for a one-unit home, by county; 5 counties are above the $832,750 baseline (FHFA, effective January 1, 2026).
What is the VA loan limit in Hawaii?
There is none for a veteran with full entitlement: VA removed county loan limits for them on January 1, 2020. A veteran with entitlement in use gets a guaranty based on the county's FHFA one-unit limit, $1,249,125 to $1,299,500 in Hawaii for 2026: 25 percent of that limit minus the entitlement already used.
Which Hawaii counties have the highest loan limits?
Conforming: Kalawao County at $1,299,500. FHA: Kalawao County at $1,299,500. Limits follow FHFA's and HUD's metropolitan areas, so every county in one area has the same figure.
Loan limits in nearby states
Legal references
- 12 U.S.C. 1709(b)(2), FHA mortgage limits (115 percent of the area median, floor and ceiling)
Published federal limits. JSON: /api/data/loan-limits/hawaii. Not lending advice.