In 2026, the FHA loan limit for Kalaoa County, within Hawaii, HI, is $408,250 for a single-family home. For properties with two units, the limit is $522,600; for three units, it's $631,750; and for four-unit structures, it's $785,100.
The maximum amount for conventional loans on a single-family residence is $822,375, extending to $1,053,000 for two units, $1,272,750 for three units, and $1,581,750 for homes with four units.
Utilize our FHA calculator to uncover today’s FHA best rates and to assess the necessary downpayment, income requirements, credit score, reserves, and documentation for qualification.
The Lendersa® calculator allows you to compare FHA rates and terms with those of other loan programs including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® aggregates extensive loan program data from thousands of lenders, providing quick comparisons tailored to your unique financial circumstances and needs.
In Kalaoa, Hawaii, HI, the Loan Limits Comparison Table for 2026 shows maximum amounts for FHA, Conventional, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to examine requirements involving income, reserves, and credit.
| 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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