In 2026, the FHA loan limit for Kekaha county in Kauai, HI, stands at $977,500 for a single-family home, $1,251,400 for two-unit properties, $1,512,650 for three-unit homes, and $1,879,850 for four-unit residences.
The maximum amount for conventional loans on single-family homes is $1,089,300, ascending to $1,394,775 for two-unit homes, $1,685,850 for three units, and $2,095,200 for those with four units.
Utilize our FHA calculator to access today’s best FHA rates, and calculate downpayment, income, credit requirements, reserves, and necessary documents for qualification.
The Lendersa® calculator facilitates the comparison of FHA terms and rates against various other loan programs, such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® quickly analyzes loan data from thousands of lenders to align it with your individual financial profile and needs.
For 2026 in Kekaha county of Kauai, HI, the Loan Limits Comparison Table offers a detailed look at maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For evaluation of criteria like income, reserves, and credit requirements, apply the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| 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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