2026 loan limits in Honolulu County, Hawaii
In Honolulu County, a conventional loan up to $1,249,125 on a one-unit home is conforming. Above that it’s a jumbo loan. FHA loans can go up to $828,000.
Conforming limit (1 unit)$1,249,125High-cost county
FHA limit (1 unit)$828,000High-cost county
Highest price, 20% down, conforming$1,561,406Loan at the limit
Highest price, 3.5% down, FHA$858,031Loan at the limit
2026 limits by number of units
| Property | Conforming | FHA |
|---|---|---|
| 1 unit | $1,249,125 | $828,000 |
| 2 units | $1,599,375 | $1,060,000 |
| 3 units | $1,933,200 | $1,281,300 |
| 4 units | $2,402,625 | $1,592,350 |
What the limits mean for your purchase
The limit applies to the loan amount, not the price. With 20% down you could buy up to about $1,561,406 in Honolulu County and stay conforming; with 10% down, about $1,387,917. Loans above the limit are jumbo loans, which usually need a higher credit score and more savings. With FHA’s 3.5% minimum down payment, the highest price at the limit is about $858,031.
Questions
What is the 2026 conforming loan limit in Honolulu County?
$1,249,125 for a one-unit home.
What is the 2026 FHA loan limit in Honolulu County?
$828,000 for a one-unit home.
More for Honolulu County
Honolulu County property taxesFHA loan limits toolHawaii closing costsAiea 96701 market dataEwa Beach 96706 market dataHaleiwa 96712 market dataHauula 96717 market dataHonolulu 96813 market dataHonolulu 96814 market dataHonolulu 96815 market dataHonolulu 96816 market dataHonolulu 96817 market dataHonolulu 96818 market data
2026 limits from HUD’s county files (Urban Honolulu, Hi). Conforming limits are set by the Federal Housing Finance Agency.