Hawaii Mortgage Blog

2023 Loan Limits

Hawaii Loan Limits 2023

Hawaii Conforming Loan and FHA Loan Limits (Conventional Agency Loans, FannieMae & FreddieMac and FHA)

1 unit                    2 units                  3 units                  4 units

$1,089,300         $1,394,775        $1,685,850         $2,095,200

Hawaii Conforming Jumbo Loan Limits (High Balance Conventional Agency Jumbo Loans, FannieMae & FreddieMac)

Maui & Kalawao Counties

1 unit                    2 units                  3 units                  4 units

$1,089,300         $1,394,775        $1,685,850         $2,095,200

Kauai County

$1,089,300         $1,394,775        $1,685,850         $2,095,200

Honolulu County

$1,089,300         $1,394,775        $1,685,850         $2,095,200

Hawaii VA Loan Limits

In 2020, the U.S. Department of Veteran Affairs removed the maximum loan amount it would grant its borrowers. Eligibility includes veterans, active–duty service members, National Guard members, reservists, and surviving spouses.

VA loans also come with the benefits of no required down payment or mortgage insurance and the lowest interest rates on the market.

VA loans have an upfront funding fee, which most borrowers will roll into the mortgage closing costs. Those fees carried over from 2021 to 2022 as follows: