For the year 2026, the FHA loan threshold in Captain-Cook county, part of Hawaii, HI, is set at $408,250 for a single-family dwelling, $522,600 for two-unit properties, $631,750 for three-unit homes, and $785,100 for four-unit units.
Regarding conventional loans, the maximum amount for a single-family home is $822,375, and it goes up to $1,053,000 for two units, $1,272,750 for three units, and $1,581,750 for homes with four units.
Our FHA calculator can show you today's most competitive FHA rates while guiding you through the downpayment, income, credit requirements, reserves, and documents necessary for qualification.
The Lendersa® calculator provides a comparison of FHA rates and terms against those from other loan programs. Explore a range of possibilities including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA options.
With data sourced from thousands of lenders, Lendersa® quickly matches loan programs with your individual financial situation and needs.
The Loan Limits Comparison Table for the year 2026 in Captain-Cook county, within Hawaii, HI, offers a comprehensive look at maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To evaluate qualification requirements like income, reserves, and credit, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) tool.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $408,250 | $522,600 | $631,750 | $785,100 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| USDA | $391,000 | $391,000 | $391,000 | $391,000 |
| VA | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| 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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