FHA Loan Limits in Hawaii (2026)
For 2026, the FHA loan limit in most Hawaii counties is $541,287 for a single-family home. 4 higher-cost Hawaii counties carry larger limit, up to $1,249,125.
FHA loan limits by county in Hawaii
| County | 1-Unit | 2-Unit | 4-Unit | Tier |
|---|---|---|---|---|
| Honolulu County | $1,249,125 | $1,599,225 | $2,402,475 | High-cost |
| Hawaii County | $1,249,125 | $1,599,225 | $2,402,475 | High-cost |
| Maui County | $1,249,125 | $1,599,225 | $2,402,475 | High-cost |
| Kauai County | $1,249,125 | $1,599,225 | $2,402,475 | High-cost |
Hawaii's median home price is roughly $840,000. With 3.5% down, an example FHA payment near that price is about $4,125/month including MIP, taxes, and insurance.
Buying with an FHA loan in Hawaii
FHA loans are popular with first-time buyers in Hawaii because they allow a 3.5% down payment, accept credit scores as low as 580, and have flexible debt-to-income guidelines. The county limits above cap how much you can borrow with FHA financing; above those amounts you would need a conventional or jumbo loan.
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Frequently Asked Questions
- What is the FHA loan limit in Hawaii for 2026?
- Most Hawaii counties use the national FHA floor of $541,287 for a one-unit home. High-cost Hawaii counties go higher, up to the ceiling of $1,249,125.
- What credit score do I need for an FHA loan in Hawaii?
- FHA allows a 3.5% down payment with a 580 credit score, or 10% down with scores between 500 and 579. Lenders may set higher minimums.