In 2025, the FHA loan limit in Makakilo County, part of Honolulu, HI, is set at $770,500 for a single-family home, $986,400 for two-unit properties, $1,192,300 for three units, and $1,481,750 for four-unit homes.
The conventional loan cap for a single-family residence is $1,089,300. It extends to $1,394,775 for two-unit homes, $1,685,850 for three units, and $2,095,200 for four-unit properties.
Use our FHA calculator to check today’s best FHA rates and determine the necessary downpayment, income level, credit score, reserves, and documentation required to qualify.
The Lendersa® calculator lets you compare FHA rates and terms with those of other loan programs. Compare Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® aggregates data from thousands of lenders to quickly match it against your financial profile and needs.
For 2025 in Makakilo County, Honolulu, HI, the Loan Limits Comparison Table details maximum loan amounts for programs like FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) for precise qualification comparisons involving income, reserves, and credit.
| 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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