For the year 2026, the FHA loan boundaries in Ainaloa county, part of Hawaii, HI, are set as follows: $517,500 for single-family homes, $662,500 for two-unit residences, $800,800 for three-unit properties, and $995,200 for those containing four units.
Conversely, the largest loan amount available for conventional loans on a single-family dwelling is $1,089,300. For duplexes, it's capped at $1,394,775, while it’s $1,685,850 for triplex housing, and $2,095,200 for four-unit buildings.
With the FHA calculator we've designed, you can effortlessly access today's premier FHA rates and gain insight into the necessary down payment, income level, credit score, reserve funds, and documentation required to become eligible for a loan.
The Lendersa® tool provides a platform to weigh FHA interest rates and conditions against a broad array of other loan offerings. Whether you're considering Conventional loans, Jumbo options, VA loans, USDA financing, Non-QM, or even hard money loans, this tool facilitates side-by-side comparisons with FHA products.
Lendersa® compiles and analyzes loan program data from an extensive network of thousands of lenders, enabling rapid evaluations aligned with your unique financial profile and requirements.
Presenting the Loan Limits Comparison Table for 2026 located in Ainaloa county, Hawaii, HI, which contrasts the highest permissible loan amounts across various programs including FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To further compare eligibility criteria such as income, required reserves, and credit assessment, utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™) for an intensive review.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $517,500 | $662,500 | $800,800 | $995,200 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| USDA | $600,000 | $600,000 | $600,000 | $600,000 |
| VA | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
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