Hawaii Mortgage Blog

2022 Hawaii Loan Limits

Hawaii Loan Limits 2022

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

1 unit                    2 units                  3 units                  4 units

$1,073,000           $1,374,000         $1,661,000         $2,064,000


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


Maui & Kalawao Counties

1 unit                    2 units                  3 units                  4 units

$1,073,000           $1,374,000         $1,661,000         $2,064,000

Kauai County

$1,073,000           $1,374,000         $1,661,000         $2,064,000

Honolulu County

$1,073,000           $1,374,000         $1,661,000         $2,064,000


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:

Down Payment

First-Time Use

Subsequent Uses


2.3% of loan

3.6% of loan

5% or more 

1.65% of loan

1.65% of loan

10% or more

1.4% of loan

1.4% of loan


Posted by Gary Rosenberg on September 22nd, 2022 11:17 AM

Company logo

Gary Rosenberg and the Ohana 1st Mortgage team welcome David Bird to our Ohana


David brings his 20 plus years of real estate industry knowledge to Ohana 1st Mortgage. Working in all aspects of the home loan process, David has an extensive history in Title and Escrow, Mortgage Banking and International Finance. David has also worked in International commercial and residential real estate, this combined with his 16 years of dedicated service on the Board of Directors for the Hawaii Association of Mortgage Brokers blends together a talent in all aspects of your home loan.

Call or e-mail today to refinance your home or explore options to purchase your dream home

David L Bird

Mortgage Broker


Direct Line: 808-600-3960

Cell: 880-308-9960

email: david@ohana1st.com

Posted by Gary Rosenberg on December 13th, 2021 3:11 AM