In 2025, the FHA loan limit in Honolulu County of Honolulu, HI, is fixed at $770,500 for a single-family home, $986,400 for two-unit buildings, $1,192,300 for three-unit properties, and $1,481,750 for residences with four units.
The maximum permissible loan amounts for conventional loans on a single-family home is $1,089,300, increasing to $1,394,775 for properties with two units, $1,685,850 for those with three units, and $2,095,200 for residences accommodating four units.
Utilize our FHA calculator to access today’s FHA best rates and calculate the requisite downpayment, as well as examine income, credit, reserves, and the necessary documents to qualify.
Using the Lendersa® calculator, compare FHA rates and terms with those of other loan programs including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® compiles and evaluates loan program data from thousands of lenders, swiftly comparing it to your financial profile and needs.
The Loan Limits Comparison Table for 2025 in Honolulu County, Honolulu, HI, shows maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to assess qualification requirements like income, reserves, and credit.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $770,500 | $986,400 | $1,192,300 | $1,481,750 |
| 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 | $725,000 | $725,000 | $725,000 | $725,000 |
| 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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