Local guides
Hawaii-specific loan guides
FHA · Honolulu
3.5% down, the $828,000 Honolulu limit, and which Oahu condos are FHA-approved.
VA · Oahu
$0 down for service members at Pearl Harbor-Hickam, Schofield, Kaneohe Bay and Shafter.
DSCR · Hawaii
Qualify on rent, not tax returns, and know which rentals are legal before you buy.
Construction · Neighbor Islands
Build or rebuild on Maui, Kauaʻi and the Big Island with one closing.
Barndominium · Big Island
Steel and post-frame homes on ag and rural lots.
Where to Buy · Oahu
Neighborhood by neighborhood: what you get, and which loans fit.
New Builds vs. Existing
Hoʻopili, Koa Ridge, Kakaʻako towers or a resale: the trade-offs.
STR Tax Strategy
How high W-2 earners use a short-term rental to offset salary, and where it’s legal here.
2026 loan limits
Hawaii loan limits by county (one unit)
| County | Conforming | FHA |
|---|---|---|
| Honolulu (Oahu) | $1,249,125 | $828,000 |
| Maui and Kalawao | $1,299,500 | $1,299,500 |
| Kauaʻi | $1,249,125 | $1,110,900 |
| Hawaiʻi (Big Island) | $1,249,125 | $586,500 |
VA has no loan limit for veterans with full entitlement. Above the conforming limit, see jumbo loans.
Every program
All loan programs
Buy a home: First-Time Buyer · Down Payment Assistance · Conventional · FHA · Jumbo · VA · USDA · Construction · Barndominium · Leasehold · Hawaiian Home Lands
Refinance and equity: Refinance · Cash-Out · VA IRRRL · HELOC · All-In-One · Reverse
Investors and self-employed: DSCR · Bank Statement · P&L Only · Fix & Flip · ITIN · Foreign National · STR Tax Strategy
Condos: Non-Warrantable · Condotels · Leasehold · Condo Review
Common questions
Honolulu · All Programs FAQ
Do you only work on Oahu?
No. I am licensed statewide in Hawaii and lend on Oahu, Maui, Kauaʻi, Molokaʻi, Lānaʻi and the Big Island.
What is the 2026 loan limit in Honolulu?
$1,249,125 for a one-unit conforming loan and $828,000 for FHA.
Why use a broker instead of my bank?
One application reaches more than 65 lenders, including ones that finance condos, leasehold and condotels that banks decline.
Sources: FHFA 2026 conforming loan limits; HUD Mortgagee Letter 2025-23 and FHA loan limit lookup (2026); 38 U.S.C. §3703 as amended by the Blue Water Navy Vietnam Veterans Act of 2019 (VA limits).
