In 2026, the FHA loan limits for Kahului County in Maui, HI are structured as follows: $977,500 for a single-family home, $1,251,400 for two-unit properties, $1,512,650 for homes with three units, and $1,879,850 for residences featuring four units.
The cap for conventional loans reaches $1,089,300 for a single-family residence. It extends to $1,394,775 for duplexes, $1,685,850 for triplexes, and $2,095,200 for fourplexes.
Leverage our FHA calculator to access today's prime FHA rates and to assess the necessary downpayment. Additionally, analyze the income, credit score, reserves, and documents required to qualify.
Using the Lendersa® calculator, you can examine FHA rates and terms alongside those of other loan programs including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans, helping you choose the best option.
Lendersa® collates extensive data from thousands of lenders, quickly providing comparisons tailored to match your unique financial profile and needs.
The Loan Limits Comparison Table for 2026 in Kahului, Maui, HI, presents a side-by-side view of maximum loan allowances for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Evaluate qualification needs, such as income, reserves, and credit, using the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $977,500 | $1,251,400 | $1,512,650 | $1,879,850 |
| 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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