In the year 2026, the FHA loan limits for Lihue county, found in Kauai, HI, are set at $977,500 for single-family homes, $1,251,400 for two-unit dwellings, $1,512,650 for three-unit properties, and $1,879,850 for buildings with four units. These limits define how much can be borrowed for FHA-backed loans, aligning borrowers with appropriate funding based on their property types.
The cap for conventional loans is delineated as follows: $1,089,300 for single-family residences, $1,394,775 for two-unit properties, $1,685,850 for tri-unit structures, and $2,095,200 for homes with four units. Understanding these caps is vital to financing decisions for conventional mortgages, as they inform prospective homeowners of their maximum allowable loan amounts based on property configuration.
To uncover the best available FHA rates today, utilize our FHA calculator. This tool helps calculate critical components like the necessary down payment, income thresholds, credit requirements, reserve needs, and essential documentation for qualification. A strategic approach using this calculator assists in preparing for the loan application process thoroughly and confidently.
Explore competitive loan offers from more than 100 lenders to align well with your home-buying objectives.
The Lendersa® calculator allows you to meticulously compare FHA rates and terms against those of various other loan programs. This includes Conventional Loans, Jumbo Loans, VA, USDA, Non-QM, and hard money loan products. By enabling this diverse comparison, it aids in making informed financial decisions aligned with personal borrowing needs.
Utilizing data from a vast network of lenders, Lendersa® assesses and compares these options in real-time, matching them to your financial profile and requirements efficiently. This rapid analysis ensures you gain insight into how each loan option fits into your strategy, eliminating guesswork and enhancing choice accuracy.
In 2026, the Loan Limits Comparison Table for Lihue, Kauai, HI, enables a detailed comparison of FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan caps. To carefully exam specify qualification criteria, the Lendersa® Super Loan Integrated Qualifier (SLIQ™) is an indispensable tool—focusing on income levels, reserves, and credit assessments—to craft a comprehensive and enlightened financial plan for home acquisition.
| 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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