As of 2026, the FHA loan limits in Wailua-Homesteads county, nestled in Kauai, HI, are defined at $719,900 for a single-family home. For properties comprising 2 units, the limit is $921,600, whereas, for 3-unit dwellings, it is $1,114,000, and for 4-unit homes, the cap is set at $1,384,450.
Regarding conventional loans, the maximum loan amount for a single-family residence reaches up to $822,375, with 2-unit properties capped at $1,053,000, 3-unit homes restricted to $1,272,750, and 4-unit properties limited to $1,581,750.
Check out our FHA calculator to uncover the most competitive FHA rates available today and assess the potential downpayment, income thresholds, credit score requirements, reserve amounts, and necessary documents to determine your eligibility.
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The Lendersa® tool provides a platform to compare FHA interest rates and terms with those of other loan programs. Dive into options and weigh up Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA to find the best match for your needs.
Lendersa® collates loan program data from numerous lenders, instantly adjusting and comparing it against your unique financial scenario and requirements.
The Loan Limits Comparison Table for 2026 highlights the differences for Wailua-Homesteads in Kauai, HI, allowing a detailed view of FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximum loan figures. To further delve into qualification needs such as income, credit scores, and reserves, employ the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $719,900 | $921,600 | $1,114,000 | $1,384,450 |
| 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 | $575,900 | $575,900 | $575,900 | $575,900 |
| 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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