FHA VS Conventional loan programs in 2026 for Honolulu, Honolulu County, Hawaii

In 2026, the Conventional loan limit in Honolulu, Honolulu County, HI, is $1,089,300, whereas the FHA limit for a single-family home is $770,500.

Utilize the Lendersa® Conventional loan calculator to compare the prime rates of Conventional, FHA, and USDA loans today. It helps determine the necessary income, credit, reserves, and documents for qualification. Our advanced mortgage calculator offers side-by-side comparisons of Conforming Conventional, USDA, FHA, and VA loans, assisting you in choosing the best program in HI for your financial scenario.

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2026 Loan Limits and Down Payment Requirements in Honolulu, Honolulu County, HI

Loan Type Maximum Limit Down Payment
Conventional Conforming $1,089,300 3%
USDA $725,000 0%
FHA $770,500 3.5%

This comparison table applies to the following zip codes: 96859

Conventional and FHA Loan Options in Honolulu, HI

The goal of Lendersa® is to provide you with the fastest and most efficient access to the best Conventional, USDA, or FHA loans without a hassle. Choose one of three starting points to connect with matching lenders and loan programs.

Results of Lendersa USDA loan requests


Honolulu Lenders

  • Territorial Savings Bank
  • PO Box 1481, Honolulu, HI, 96806
  • Lends in Hawaii
  • Territorial Savings Bank has come a long way from its humble beginnings in 1921 when ten individuals came together to establish the Kaimuki Building & Loan Association. Committed to providing personal financial services to our customers and keeping in step with community needs and account holder expectations

  • Allan Inouye Appraisals
  • PO Box 240540, Honolulu, HI, 96824
  • Lends in Hawaii
  • Our investment in technology means faster turn times for our clients and lower costs for us (and subsequently you). And first and foremost, we keep in mind the importance of customer service. So following the Golden Rule, we treat our clients as we'd want to be treated ourselves whether we're in person, having a phone conversation

  • Infinite Financial LLC
  • 1050 Queen St, Suite 100, Office A2, Honolulu, HI, 96814
  • Lends in Hawaii
  • Duncan Hsia founded Infinite Financial to offer customers the best real estate financing options for their purchases or refinances. Duncan has helped many customers at other mortgage lenders over the years, but was frustrated to be limited to certain products and services. Now, at Infinite Financial, he’ll be able to build a team.

  • CF Home Loans LLC
  • 1050 Queen St, Suite 100, Honolulu, HI, 96814
  • Lends in Hawaii
  • Our executive team consists of industry experts and professionals in the financial and real estate industry. We are well versed when it comes to understanding how a mortgage can affect clients in all areas of their financial life. With a highly dedicated executive team, CF Home Loans is committed to providing an environment to promote teamwork.

  • Mortgage Unlimited
  • 1314 South King Street, Suite 1153, Honolulu, HI, 96814
  • Lends in Hawaii
  • mu-hawaii have been first time home buyers and are home owners just like you. We are invested in being a positive role in your refinance or home purchase now and in the future and also In the ever changing technological landscape, we invest in modern and efficient systems to help insure we are able to provide lower rates and faster close times.

  • Hawaii Best Loans
  • 1288 Ala Moana Blvd, Suite 19E, Honolulu, HI, 96814
  • Lends in Hawaii
  • HAWAII BEST LOANS offers residential mortgage loans in Hawaii from top-notch lenders. We follow a simple formula that has made us one of the most trusted residential mortgage companies in Hawaii. We understand that obtaining a home loan is one of the biggest decisions of your life and we are therefore committed to making the process as easy

  • Smart Money Inc.
  • 1600 Kapiolani Blvd, Suite 633, Honolulu, HI, 96814
  • Lends in Hawaii
  • Smart Money is a mortgage broker servicing the State of Hawaii. We specialize in conventional, VA, FHA, USDA, portfolio, and hard money residential home loans. Whether you're a first time home buyer or investor, we can help. We have access to many lenders and guidelines, which in turn give you the best options.

  • Infinite Financial, LLC
  • 1050 Queen St, Suite 100, Office A2, Honolulu, HI, 96814
  • Lends in Hawaii
  • Infinite Financial, LLC, NMLS # 1866302, works with both local and national lenders to provide the best products and services to mortgage customers. From conventional to VA to USDA to FHA to portfolio, non-QM, and hard money options, Infinite Financial has the products to meet your needs

  • Smart Money, Inc
  • 1600 Kapiolani Blvd, Suite 633, Honolulu, HI, 96814
  • Lends in Hawaii
  • Smart Money is a mortgage broker servicing the State of Hawaii. We specialize in conventional, VA, FHA, USDA, portfolio, and hard money residential home loans. Whether you're a first time home buyer or investor, we can help. We have access to many lenders and guidelines, which in turn give you the best options.

  • Hawaii Law Enforcement Federal Credit Union
  • 1936 South King Street, Honolulu, HI, 96826
  • Lends in Hawaii
  • The Hawaii Law Enforcement Federal Credit Union was originally formed in 1937 as the Honolulu Police Federal Credit Union by a group of police officers. The goal was to create a financial institution to serve the unique financial needs of the employees of the Honolulu Police Department.