For the year 2026, the FHA loan limitation for Hawaiian-Ocean-View county in Hawaii, HI amounts to $408,250 for a single-family abode, $522,600 for properties comprising 2-units, $631,750 for those with 3-units, and $785,100 for homes with 4-units.
As for conventional loans, the ceiling for a loan on a single-family home reaches $822,375, extending to $1,053,000 for dual-unit buildings, $1,272,750 for structures with three units, and $1,581,750 for those composed of four units.
Utilize our FHA calculator to explore the top FHA rates available today and calculate the necessary downpayment, income, credit score, reserves, and supplementary documentation to qualify.
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The Lendersa® calculator serves as a powerful tool to contrast FHA rates and terms with those of various other loan programs. Dive deeper into the advantages of Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money financing versus FHA options.
Lendersa® aggregates comprehensive loan program data from numerous lenders nationwide, instantly sanding it off against your unique financial conditions and requirements.
Refer to the Loan Limits Comparison Table for 2026 in Hawaiian-Ocean-View county of Hawaii, HI, to juxtapose maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For a more thorough comparison of qualification requirements such as income sources, reserves, and credit scores, engage the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| 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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