In 2026, FHA loan limits in Kailua County, part of Honolulu, HI, are detailed as follows: $770,500 for a single-family home, $986,400 for properties with 2 units, $1,192,300 for 3-unit houses, and $1,481,750 for 4-unit dwellings.
The cap on conventional loans for a single-family residence is $1,089,300; amounts vary for multi-unit homes, with the ceiling set at $1,394,775 for duplexes, $1,685,850 for triplexes, and $2,095,200 for fourplexes.
Utilize our FHA calculator to determine today's top FHA rates, and calculate your downpayment, income prerequisites, credit needs, reserves, and supporting documentation essential for qualification.
The Lendersa® calculator serves to compare FHA rates and terms against other available loan frameworks, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loan alternatives, helping you make informed decisions.
Lendersa® compiles and contrasts extensive data from thousands of providers, presenting it efficiently to align with your unique financial requirements and criteria.
The Loan Limits Comparison Table for 2026 in Kailua County, Honolulu, HI, allows side-by-side examination of FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximum loan amounts. Evaluate income, reserve, and credit qualification criteria using the tools provided by the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| 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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