FHA Loan Limits for Pearl-City, Honolulu County, HI in 2025

In {CURRENT_YEAR}, the FHA loan limits within Pearl-City County of Honolulu, HI, are set: {DETAILS_LOAN_LIMIT_FHA1} for a single-family home, {DETAILS_LOAN_LIMIT_FHA2} for duplexes, {DETAILS_LOAN_LIMIT_FHA3} for triplexes, and {DETAILS_LOAN_LIMIT_FHA4} for four-unit buildings.

The top limit for conventional loans is {DETAILS_LOAN_LIMIT_CONVENTIONAL1} on a single-family property, advancing to {DETAILS_LOAN_LIMIT_CONVENTIONAL2} for two-unit constructions, {DETAILS_LOAN_LIMIT_CONVENTIONAL3} for three-unit homes, and {DETAILS_LOAN_LIMIT_CONVENTIONAL4} 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.

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Explore Loan Options in Pearl-City, HI

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 {CURRENT_YEAR} 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.

Loan limits Pearl-City county of Honolulu, HI

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


  • Island Pacific Mortgage Inc.
  • 3016 Umi Street, Suite 201, Lihue, HI, 96766
  • Our team is committed to providing our clients with the highest quality financial services combined with the lowest rates available in your area. Our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
  • Island Home Capital, Inc.
  • 71-1744 Puu Kamanu Loop, Kailua Kona, HI, 96740
  • At Island Home Capital, our mission is to provide you with the necessary knowledge to make an informed, economic decision. We are committed to quality customer service - putting the people we serve first. Take advantage of our expertise in the residential lending industry by applying online today. You will find that the skill, professionalism
  • Point Financial
  • 75-240 Nani Kailua Dr, Suite 7, Kailua-kona, HI, 96740
  • Point Financial’s experienced mortgage experts have been servicing clients in West Hawaii for decades. We work with homebuyers and investors, just like you, who are purchasing homes and land who need a local mortgage professional with the experience and track record you can trust.
  • APEX Mortgage LLC
  • 76-6225 Kuakini Hwy C106, Kailua Kona, HI, 96740
  • APEX Mortgage LLC (NMLS 217406) originates mortgage loans thru their owner and licensed Mortgage Loan Originator, Barbara A Welsh (NMLS 224003). Barbara has been assisting Big Island property owners with loans for the purchase, refinance, construction and reverse mortgage needs for the past 28 years.
  • CU Hawaii Federal Credit Union
  • 476 Hinano Street, Hilo, HI, 96720
  • CU Hawaii, a federal credit union serving Hawai`i Island. We’re passionate about seeing our members succeed. The spirit of Hawai`i Island is the spirit of possibility. We see the potential in people, businesses and the community and get involved to help turn those possibilities into realities.
  • Family Mortgage Company of Hawaii, Inc.: Donna Dodd
  • 762 Kanoelehua Ave, Suite C, Hilo, HI, 96720
  • Family Mortgage Purchasing or refinancing a house can be a huge undertaking. You can rely on us to lead you to the loan program that's perfect for you. Our team can help you with a myriade of specialty loan programs including Conventional, 100% USDA financing, VA Loans and FHA programs. For assistance in finding the perfect loan program for you
  • Island Home Loans
  • 688 Kinoole Street, Suite 209, Hilo, HI, 96720
  • Local, family-owned mortgage broker company located in Hilo, Hawaii with over 75 years of combined experience. Open since 2003, Island Home Loans has been chosen as 'Best of East Hawaii'​ Mortgage Company six years and running! Come and see us or give us a call to see what we can do to assist you or your family to purchase or refinance a home.
  • Finance Integrity Home Loans
  • 17 Furneaux Ln, Suite 201, Hilo, HI, 96720
  • At Finance Integrity in Hilo is to serve our East Hawaii customers with honesty, integrity and competence. Our only goal is to provide home loans and mortages to Big Island clients while providing them with the lowest interest rates and closing costs possible. We pledge to help borrowers overcome roadblocks that can arise while securing a loan
  • Karen Kline Home Loans, LLC
  • 586 Kanoelehua Avenue, Suite 101, Hilo, HI, 96720
  • Karen Kline Home Loans is committed to finding you the right mortgage product for your needs. I understand that every borrower is different, and I offer a variety of products to meet your individual requirements. I make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools that enable you.