For 2026, FHA loan limits in Kula County of Maui, HI are established as: $977,500 for single-family homes, $1,251,400 for duplexes, $1,512,650 for triplexes, and $1,879,850 for properties accommodating four units.
Conventional loan caps are set at $1,089,300 for single-family residences, increasing to $1,394,775 for two-unit dwellings, $1,685,850 for three-unit homes, and $2,095,200 for four-unit buildings.
Our FHA calculator provides today’s best FHA rates and aids in determining necessary downpayments. It also evaluates income, credit needs, reserves, and the documents required for qualification.
The Lendersa® calculator enables you to contrast FHA rates and terms with those of other available loan programs, such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans, after thorough analysis.
Lendersa® gathers loan data from thousands of lenders, delivering tailored comparisons in seconds according to your unique financial profile and personal needs.
The Loan Limits Comparison Table for 2026 in Kula, Maui, HI, offers a side-by-side evaluation of limits for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For comprehensive qualification analysis, including income, reserves, and credit evaluations, utilize 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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