U.S. · Mortgage limits 2026
Hawaii loan limits 2026, by county.
Conforming (Fannie Mae and Freddie Mac) and FHA maximum loan amounts for all five Hawaii counties, calendar year 2026.
The 2026 conforming loan limit for a one-unit home in Hawaii is $1,249,125 in Hawaii, Honolulu and Kauai counties and $1,299,500 in Maui and Kalawao counties, the highest one-unit limit in the FHFA county file. Hawaii is a statutory high-cost area, so the limits sit well above the $832,750 national baseline. The FHA one-unit limit ranges from $586,500 in Hawaii County to $1,299,500 in Maui and Kalawao counties.
The short answer
One-unit conforming limit: $1,249,125 (Hawaii, Honolulu, Kauai) or $1,299,500 (Maui, Kalawao). FHA one-unit: $586,500 to $1,299,500.
How the Hawaii limits work
FHFA sets a single baseline conforming loan limit each year, $832,750 for a one-unit property in 2026, and most counties nationwide get exactly that. In higher-cost areas the limit is raised to 115 percent of the local median home value, capped at 150 percent of the baseline, which is the $1,249,125 ceiling. The limit restricts the size of loans Fannie Mae and Freddie Mac can purchase, not the price of the home. A loan above the county limit is a jumbo loan.
Hawaii is one of the statutorily designated areas (with Alaska, Guam and the U.S. Virgin Islands) where limits are higher: FHFA says they cannot exceed 150 percent of the high-cost ceiling. In Hawaii the one-unit limit is the national ceiling of $1,249,125 in Hawaii, Honolulu and Kauai counties and $1,299,500 in Maui and Kalawao counties, which share one metro area (Kahului-Wailuku-Lahaina) and so share one limit.
All five counties, conforming and FHA
FHA limits for Hawaii differ by county and are often well below the conforming limit. Hawaii County, for example, has a conforming one-unit limit of $1,249,125 but an FHA one-unit limit of $586,500.
| County | Conforming 1 unit | 2 units | 3 units | 4 units | FHA 1 unit | FHA 2 units | FHA 3 units | FHA 4 units |
|---|---|---|---|---|---|---|---|---|
| Hawaii County | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | $586,500 | $750,800 | $907,550 | $1,127,900 |
| Honolulu County | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | $828,000 | $1,060,000 | $1,281,300 | $1,592,350 |
| Kalawao County | $1,299,500 | $1,663,600 | $2,010,950 | $2,499,100 | $1,299,500 | $1,663,600 | $2,010,950 | $2,499,100 |
| Kauai County | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | $1,110,900 | $1,422,150 | $1,719,050 | $2,136,400 |
| Maui County | $1,299,500 | $1,663,600 | $2,010,950 | $2,499,100 | $1,299,500 | $1,663,600 | $2,010,950 | $2,499,100 |
Worked example
A $1,500,000 home in Honolulu County with 20% down. The loan is $1,500,000 × 80% = $1,200,000. The Honolulu County one-unit conforming limit is $1,249,125, so the loan fits under the limit. The most you could borrow there on a one-unit home is $1,249,125, which at 20% down matches a purchase price of up to $1,561,406.
In Kalawao County the limit is $1,299,500, so at 20% down the highest purchase price that stays under it is $1,624,375.
Limits by number of units
Two- to four-unit limits are higher because the property can earn rent. The table above lists every Hawaii county; the figures come straight from the FHFA county file and the HUD forward-limits file.
How Hawaii compares
The $832,750 baseline applies to most of the country. Hawaii County, Honolulu County and Kauai County are at the national ceiling of $1,249,125, and Maui and Kalawao are $50,375 above it.
What the limits do not tell you
A county limit is not an approval. Lenders still apply credit, income and down payment rules, and a jumbo loan has its own pricing. FHA and conforming limits are separate programs with separate county tables, so always compare both for the county you are buying in. FHFA publishes new limits each year; this page shows calendar year 2026 and should be rechecked against FHFA when 2027 limits are released.
Sources
Primary sources opened and checked on November 2, 2026. Figures are as published by the source on that date.
- FHFA, Conforming Loan Limit values for 2026 (county file, CSV) (read November 2, 2026)
- FHFA, Conforming Loan Limit page (read November 2, 2026)
- FHFA, Conforming Loan Limit FAQs 2026 (read November 2, 2026)
- HUD, FHA forward mortgage limits for 2026 (CHUMS file) (read November 2, 2026)
Frequently asked questions
What is the conforming loan limit in Hawaii for 2026?
$1,249,125 in Hawaii, Honolulu and Kauai counties and $1,299,500 in Maui and Kalawao counties, per the FHFA 2026 county file.
What is the highest loan limit in Hawaii?
$1,299,500 for a one-unit home in Maui and Kalawao counties. A four-unit property there can reach $2,499,100.
What is the FHA loan limit in Hawaii for 2026?
It depends on the county. For a one-unit home it runs from $586,500 to $1,299,500, per the HUD 2026 forward-limits file. Check the county in the table above.
Does a loan limit cap the price of the home I can buy?
No. FHFA says the limit restricts the size of the loan that Fannie Mae and Freddie Mac can purchase, not the price of the home. A larger down payment lets you buy a pricier home under the same limit.
What happens if my loan is above the county limit?
It is a jumbo (non-conforming) loan, which cannot be bought by Fannie Mae or Freddie Mac and is priced and underwritten by the lender under its own rules. You can reduce the loan amount with a larger down payment to get under the limit.
Reference data, not lending advice
Figures are copied from the FHFA 2026 county file and the HUD 2026 forward mortgage limits file linked above. A lender decides what loan you qualify for. Confirm the limit for your county with your lender before you sign.