In 2025, the FHA loan limit for Wailuku County, located in Maui, HI, stands at $977,500 for a single-family home, $1,251,400 for homes with two units, $1,512,650 for three-unit structures, and $1,879,850 for four units.
The limit for conventional loans is $1,089,300 for single-family residences, with increases to $1,394,775 for two units, $1,685,850 for three units, and $2,095,200 for four-unit homes.
Utilize our FHA calculator to access the best FHA rates available today and ascertain the required downpayment, as well as examine income levels, credit scores, reserves, and necessary documentation for qualification.
The Lendersa® calculator offers a platform to contrast FHA rates and terms against other loan programs, such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans, allowing thorough evaluation.
Lendersa® gathers comprehensive data from thousands of lenders, facilitating rapid comparisons tailored to your unique financial profile and needs.
Within Wailuku, Maui, HI, the Loan Limits Comparison Table for 2025 provides a side-by-side look at maximum amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan options. Evaluate qualification benchmarks, including income, reserves, and credit using the 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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