2026 limits · 5 counties
Hawaii 2026 loan limits for duplexes, triplexes and fourplexes
In Hawaii, the 2026 FHA limit for a fourplex runs from $1,127,900 to $2,499,100. 0 of 5 counties sit at the national floor; the highest is Kalawao County, Maui County. The conforming limit, which caps a conventional loan Fannie Mae or Freddie Mac can buy, is $1,601,750 for a fourplex in most of the state and up to $2,499,100 in 5 high-cost counties.
Every county in Hawaii
The limit caps the base loan, not the price. FHA's upfront premium can be added on top without counting against it. "High-cost" marks a county whose FHA limit is above the national floor.
| County | FHA 2026 | Conforming 2026 | ||||
|---|---|---|---|---|---|---|
| 2 units | 3 units | 4 units | 2 units | 3 units | 4 units | |
| Hawaii County high-cost Hilo-Kailua, HI | $750,800 | $907,550 | $1,127,900 | $1,599,375 | $1,933,200 | $2,402,625 |
| Honolulu County high-cost Urban Honolulu, HI | $1,060,000 | $1,281,300 | $1,592,350 | $1,599,375 | $1,933,200 | $2,402,625 |
| Kalawao County high-cost Kahului-Wailuku, HI | $1,663,600 | $2,010,950 | $2,499,100 | $1,663,600 | $2,010,950 | $2,499,100 |
| Kauai County high-cost Kapaa, HI | $1,422,150 | $1,719,050 | $2,136,400 | $1,599,375 | $1,933,200 | $2,402,625 |
| Maui County high-cost Kahului-Wailuku, HI | $1,663,600 | $2,010,950 | $2,499,100 | $1,663,600 | $2,010,950 | $2,499,100 |
How much building fits under the limit
With FHA's minimum 3.5% down, the base loan is 96.5% of the price. So the most you can pay and stay inside the limit is the limit divided by 0.965.
| Where | Duplex | Triplex | Fourplex |
|---|---|---|---|
| Kalawao County | $1,723,937 | $2,083,886 | $2,589,740 |
Put more than 3.5% down and the ceiling on price rises with it. Price is also only half of it: on a three- or four-unit building, FHA's self-sufficiency test often binds before the loan limit does. The calculator runs both against a county you pick.
VA and conventional in Hawaii
Conventional loans use the conforming column. On a 2-4 unit home you live in, Freddie Mac's published maximum is 95% loan-to-value for a mortgage its automated system accepts, but 85% (two units) and 80% (three or four) for a "super conforming" loan above the baseline, and the same 85% and 80% for a manually underwritten one.
A veteran with full VA entitlement has no county limit. If some entitlement is still tied up in another loan, VA ties the guaranty to the one-unit conforming limit even for a fourplex: $1,249,125 to $1,299,500 in Hawaii. The guaranty is 25% of that figure minus the entitlement already used.
Other states: all states and the county lookup.