In 2026, the FHA loan limits in Ocean-Pointe County of Honolulu, HI are established at $721,050 for a single-family home, $923,050 for two-unit properties, $1,115,800 for buildings with three units, and $1,386,650 for those with four units.
The highest loan amount for conventional loans on a single-family residence is $822,375. For two-unit homes, it's $1,053,000, for three units, $1,272,750, and for four-unit homes, it's $1,581,750.
Use our FHA calculator to view today’s FHA top rates and find out the required downpayment, as well as the income, credit, reserves, and documentation necessary to qualify.
Lendersa® calculator lets you compare FHA rates and terms with those of other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® utilizes data from thousands of lenders to provide comparisons tailored to your individual financial profile and needs.
The Loan Limits Comparison Table for 2026 in Ocean-Pointe, Honolulu, HI, shows the maximum loan amounts for 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™) to review requirements like income, reserves, and credit.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $721,050 | $923,050 | $1,115,800 | $1,386,650 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| USDA | $576,800 | $576,800 | $576,800 | $576,800 |
| VA | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| 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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