In 2026, the FHA loan limits for Waimea County in Hawaii, HI, are defined as: $517,500 for a single-family home, $662,500 for properties with two units, $800,800 for three units, and $995,200 for homes with four units.
The highest amounts for conventional loans on a single-family residence are $1,089,300, increasing to $1,394,775 for two-unit properties, $1,685,850 for three-unit homes, and $2,095,200 for four-unit buildings.
Utilize our FHA calculator to observe today’s top FHA rates and calculate what's needed for downpayment, income, credit, reserves, and documentation to qualify.
The Lendersa® calculator lets you measure FHA rates and terms against those from other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® assesses loan data from thousands of lenders to provide fast comparisons tailored to your financial profile and needs.
The Loan Limits Comparison Table for 2026 in Waimea, Hawaii, HI, showcases FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan maximums. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to inspect requirements like income, reserves, and credit.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $517,500 | $662,500 | $800,800 | $995,200 |
| 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 | $600,000 | $600,000 | $600,000 | $600,000 |
| 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 |
|
|
|
|
|
|
|
|
|
|
|
FHA Guides
TYPES OF LOANS WE HANDLE:
CITIES CLOSE BY:
