In 2026, the FHA loan limit for Waipio in Honolulu, HI, is set at $770,500 for a single-family home. For duplexes, it's $986,400, $1,192,300 for triplexes, and $1,481,750 for four-plex homes.
The conventional loan cap for a single-family residence stands at $1,089,300, reaching $1,394,775 for two-unit properties, $1,685,850 for three units, and $2,095,200 for homes with four units.
Use our FHA calculator to discover today’s top FHA rates and determine the necessary downpayment, along with assessing income, credit, reserves, and required documents for qualification.
The Lendersa® calculator lets you compare FHA rates and terms with those from other mortgage programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® collects comprehensive loan data from thousands of lenders to provide quick, tailored comparisons to your financial profile and needs.
The Loan Limits Comparison Table for 2026 in Waipio, Honolulu, HI lists maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money products. Evaluate requirements such as income, reserves, and credit with 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 |
|
|
|
|
|
|
|
|
FHA Guides
TYPES OF LOANS WE HANDLE:
CITIES CLOSE BY:
