For 2026, the FHA loan limit in Wailua county, Kauai, HI stands at $977,500 for a single-family home, $1,251,400 for two-unit homes, $1,512,650 for three-unit homes, and $1,879,850 for four-unit homes.
Conventional loans cap at $1,089,300 for single-family homes, $1,394,775 for two-unit dwellings, $1,685,850 for those with three units, and $2,095,200 for four-unit homes.
Utilize our FHA calculator to discover today's prime FHA rates, and learn about the necessary downpayment, income, credit, reserves, and documents for qualification.
Lendersa®'s tool lets you measure FHA rates against other loan types like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Quick comparisons are done using loan data from thousands of sources, aligning with your unique financial situation and requirements.
The Loan Limits Comparison Table for 2026 in Wailua county, Kauai, HI displays FHA, Conventional, Jumbo, USDA, VA, Non-QM, Super Jumbo, HECM, and hard money loan caps. To compare qualification criteria like income and credit, try Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $977,500 | $1,251,400 | $1,512,650 | $1,879,850 |
| 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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