In 2025, the FHA loan limit in Kapaa County of Kauai, HI, is $977,500 for a single-family home, $1,251,400 for two units, $1,512,650 for three units, and $1,879,850 for four-unit residences.
The maximum for conventional loans on a single-family property stands at $1,089,300. This limit increases to $1,394,775 for two-unit homes, $1,685,850 for three-unit buildings, and $2,095,200 for four-unit dwellings.
To access today's top FHA rates and determine needed downpayments, income, credit, reserves, and documentation, use our FHA calculator for a comprehensive assessment.
With the Lendersa® calculator, you can compare FHA rates and terms with other loan program options including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans, offering you a wide spectrum of choices.
Lendersa® gathers a wealth of data from thousands of lenders, delivering tailored comparisons quickly against your unique financial profile.
The Loan Limits Comparison Table for 2025 in Kapaa, part of Kauai, HI, shows permissible maximums 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 evaluate necessary qualifications like income, reserves, and credit requirements.
| 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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