In the year 2026, the FHA loan limit in the county of Waikoloa-Village, within Hawaii, HI, is set at $408,250 for a single-family home. For properties with 2 units, the limit is $522,600, for 3-unit buildings, it's $631,750, and for 4-unit properties, it's $785,100.
Conventional loans have a max amount of $822,375 for a single-family residence, $1,053,000 for homes with 2 units, $1,272,750 for those with 3 units, and $1,581,750 for properties containing 4 units.
Utilize our FHA calculator to find today's best FHA rates and identify the necessary downpayment, income, credit, reserves, and documents for qualification.
The Lendersa® calculator lets you compare FHA rates and conditions with those of other loan programs. Examine and compare options like Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans, alongside FHA terms.
Lendersa® gathers loan program data from thousands of lenders, offering rapid comparisons adjusted to your specific financial profile and necessities.
The Loan Limits Comparison Table for 2026 provides a comparison within Waikoloa-Village county, Hawaii, HI, including FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximum loan amounts. For assessing qualification parameters like income, reserves, and credit, employ Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $408,250 | $522,600 | $631,750 | $785,100 |
| 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 | $391,000 | $391,000 | $391,000 | $391,000 |
| 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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