Hawaii conforming & FHA loan limits (2026)
Last updated June 2026 · Source: FHFA & HUD (CY2026)
For 2026, the one-unit special-area conforming loan limit in Hawaii is $1,249,125. Two-, three-, and four-unit properties have higher limits (below). Loans above the limit are jumbo loans.
Standard-county limits (1–4 unit)
| Program | 1-unit | 2-unit | 3-unit | 4-unit |
|---|---|---|---|---|
| Conforming (conventional) | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| FHA | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
High-cost / special-area limits (1–4 unit)
| Program | 1-unit | 2-unit | 3-unit | 4-unit |
|---|---|---|---|---|
| Conforming ceiling | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| FHA ceiling | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
2026 figures. High-cost counties fall between the baseline and the ceiling based on local median home values — confirm your exact county figure with the official lookups below.
High-cost areas in Hawaii
The $1,249,125 baseline conforming limit and $1,249,125 FHA floor apply across most or all of Hawaii. If you’re buying in a higher-cost county, confirm whether a higher limit applies using the official lookups below.
County loan limits in Hawaii
Exact 2026 limits for high-cost counties we’ve detailed:
- Hawaii County — $1,249,125 (1-unit), at the ceiling
- Honolulu County — $1,249,125 (1-unit), at the ceiling
- Kalawao County — $1,299,500 (1-unit)
- Kauai County — $1,249,125 (1-unit), at the ceiling
- Maui County — $1,299,500 (1-unit)
What if your loan is above the limit?
A loan above the conforming limit is a jumbo loan — it can’t be sold to Fannie Mae or Freddie Mac, so lenders set their own (usually stricter) rules. A larger down payment can sometimes keep you under the limit. See jumbo vs. conventional, and size a purchase with the affordability calculator.
Check your exact county limit
- FHFA — 2026 Conforming Loan Limit Values
- HUD — FHA 2026 Loan Limits
- FHFA county loan-limit lookup
- FHA county loan-limit lookup
Educational information only — not financial advice or an offer of credit. Loan limits are set by FHFA (conforming) and HUD (FHA) and change annually; always verify the current figure for your specific county with the official lookups above before making decisions.