In 2026, for the county of Waimanalo within Honolulu, HI, FHA loan limits are established as follows: $770,500 for a single-family home, $986,400 for homes with two units, $1,192,300 for properties with three units, and $1,481,750 for residences containing four units.
The ceiling for conventional loans on a single-family house is $1,089,300, while for two-unit properties, it's set at $1,394,775. Three-unit homes have a limit of $1,685,850, and four-unit properties possess an allocation of $2,095,200.
Our FHA calculator is at your disposal to evaluate today’s optimal FHA rates and assist in calculating the downpayment, along with determining the necessary income, credit, reserves, and required documentation for qualification.
The Lendersa® tool equips you to contrast FHA rates and terms with those of all other loan programs. Engage with options including Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans while considering FHA alternatives.
Lendersa® gathers comprehensive loan program data from an extensive number of lenders, delivering quick comparative insights that tailor to your specific financial circumstances and personal needs.
Explore the Loan Limits Comparison Table for 2026, providing an analysis for Waimanalo county in Honolulu, HI across a spectrum of loans. It includes FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money endowments. Assess qualification criteria such as income, credit, and reserves by using 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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