In the current year, 2026, the FHA loan ceilings for Waialua county situated in Honolulu, HI are as follows: $770,500 for singles homes, $986,400 for duplexes, $1,192,300 for triplexes, and $1,481,750 for quadruplexes.
When considering conventional loans, the cap for a single-family unit is $1,089,300, with the limit reaching $1,394,775 for two-unit properties, $1,685,850 for three-unit properties, and $2,095,200 for four-unit buildings.
Our FHA calculator is available to help you find the most favorable FHA rates today and understand your requirements for down payment, income level, credit score, reserve funds, and necessary documentation for qualification purposes.
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The Lendersa® tool lets you assess and contrast FHA loan rates and terms with other financing options. Dive into various loan types, such as Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans, directly compared with FHA offerings.
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For 2026, in Waialua county within Honolulu, HI, review the loan limit comparison chart. It covers FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, HECM reverse mortgage, and hard money loan caps. To evaluate qualification metrics like income level, available reserves, and credit status, try the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| 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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