In 2025, the FHA loan limits for Waikele County, under Honolulu, HI, are defined as follows: $770,500 for a single-family home, $986,400 for two-unit properties, $1,192,300 for homes with three units, and $1,481,750 for residences with four units.
The maximum amounts for conventional loans on a single-family house are: $1,089,300, increasing to $1,394,775 for two units, $1,685,850 for three-unit homes, and $2,095,200 for four-unit dwellings.
Make use of our FHA calculator to access today's best FHA rates and understand the downpayment, income requirements, credit standards, reserves, and documents needed for loan qualification.
The Lendersa® calculator allows you to measure FHA rates and terms against a variety of other loan program offerings, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans, for comprehensive financial evaluation.
Lendersa® assimilates extensive loan data from thousands of lenders, quickly providing you with tailored comparisons that match your specific financial profile and needs.
The 2025 Loan Limits Comparison Table in Waikele, part of Honolulu, HI, contrasts maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For assessing qualification criteria like income, reserves, and credit, use 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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