In 2025, the FHA loan limits for Kapolei County, part of Honolulu, HI, are established at: $770,500 for a single-family home, $986,400 for duplexes, $1,192,300 for triplex residences, and $1,481,750 for four-unit properties.
The maximum loan amounts under conventional loans are outlined as $1,089,300 for a single-family home, with limits set at $1,394,775 for two-unit homes, $1,685,850 for homes with three units, and ultimately $2,095,200 for residences comprising four units.
Utilize our FHA calculator to access today’s prime FHA rates, and determine the needed downpayment. Moreover, assess income, credit status, reserves, and documentation required for qualifying your loan.
The Lendersa® calculator is your tool for comparing FHA rates and terms with a multitude of other loan offerings, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans, providing a broad spectrum of options.
Lendersa® amasses substantial data from thousands of different lenders, efficiently delivering comparisons that align with your specific financial needs and profile.
The Loan Limits Comparison Table for 2025 in Kapolei County, within Honolulu, HI, shows maximum amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Determine qualification norms regarding income, reserves, and credit with 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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