2026 loan limits in Kalawao County, Hawaii
In Kalawao County, a conventional loan up to $1,299,500 on a one-unit home is conforming. Above that it’s a jumbo loan. FHA loans can go up to $1,299,500.
Conforming limit (1 unit)$1,299,500High-cost county
FHA limit (1 unit)$1,299,500High-cost county
Highest price, 20% down, conforming$1,624,375Loan at the limit
Highest price, 3.5% down, FHA$1,346,632Loan at the limit
2026 limits by number of units
| Property | Conforming | FHA |
|---|---|---|
| 1 unit | $1,299,500 | $1,299,500 |
| 2 units | $1,663,600 | $1,663,600 |
| 3 units | $2,010,950 | $2,010,950 |
| 4 units | $2,499,100 | $2,499,100 |
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 $1,624,375 in Kalawao County and stay conforming; with 10% down, about $1,443,889. 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 $1,346,632.
Questions
What is the 2026 conforming loan limit in Kalawao County?
$1,299,500 for a one-unit home.
What is the 2026 FHA loan limit in Kalawao County?
$1,299,500 for a one-unit home.
More for Kalawao County
2026 limits from HUD’s county files (Kahului-Wailuku, Hi). Conforming limits are set by the Federal Housing Finance Agency.