In 2026, the FHA loan limits within Pearl-City County of Honolulu, HI, are set: $721,050 for a single-family home, $923,050 for duplexes, $1,115,800 for triplexes, and $1,386,650 for four-unit buildings.
The top limit for conventional loans is $822,375 on a single-family property, advancing to $1,053,000 for two-unit constructions, $1,272,750 for three-unit homes, and $1,581,750 for residences with four units.
Employ our FHA calculator to uncover today’s leading FHA rates and ascertain the necessary downpayment, along with income, credit, reserves, and documents for qualification.
The Lendersa® calculator lets you compare FHA rates and terms with those of various other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® aggregates extensive data from thousands of lenders, delivering tailored comparisons in seconds against your distinct financial needs.
The Loan Limits Comparison Table for 2026 in Pearl-City, Honolulu, HI, compares FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money max loan amounts. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to examine qualification 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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