During 2026, the FHA loan limits in Kaneohe County, which is within Honolulu, HI, are established as follows: $770,500 for single-family homes, $986,400 for two-unit properties, $1,192,300 for triplexes, and $1,481,750 for four-unit residences.
For conventional loans, the upper boundaries are $1,089,300 for a single-family home, escalating to $1,394,775 for duplexes, $1,685,850 for triplexes, and $2,095,200 for housing with four units.
Harness the power of our FHA calculator to explore current top FHA rates and to calculate the necessary downpayment. Additionally, evaluate income, credit score, reserves, and the documentation required to qualify.
The Lendersa® calculator grants the ability to juxtapose FHA rates and terms with those of other available loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans, ensuring a thorough evaluation process.
Lendersa® collects comprehensive data from thousands of lending institutions, enabling rapid comparisons tailored to fit your distinct financial profile and needs.
For the year 2026 in Kaneohe County, Honolulu, HI, the Loan Limits Comparison Table affords a detailed comparison of maximum allowable amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Compare requirement criteria, including income, reserve funds, and credit by utilizing 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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