In 2025, the FHA loan limits for Waipahu County in Honolulu, HI, are: $770,500 for a single-family home, $986,400 for duplexes, $1,192,300 for triplexes, and $1,481,750 for four-unit buildings.
The maximum amount for conventional loans on a single-family residence is $1,089,300. For two units, the limit is $1,394,775, for three units it's $1,685,850, and for four units, it's $2,095,200.
Use our FHA calculator to get today’s best FHA rates and see your required downpayment, as well as check what income, credit, and reserves are needed to qualify.
The Lendersa® calculator allows you to compare FHA rates and terms with those from other loan programs like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® compiles extensive data from thousands of lenders and compares it against your financial profile in seconds.
The Loan Limits Comparison Table for 2025 in Waipahu, part of Honolulu, HI, includes 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 check requirements like income, reserves, and credit.
| 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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