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Hawaii 2023 FHA Loan Limits

Last Updated: Mon, January 2, 2023

Loan Limits in Hawaii

Hawaii has 5 counties with FHA Limits ranging from a low of $517,500 for a 1-bedroom unit in Hawaii County to a high of $1,879,850 for a 4-bedroom unit in Kalawao County.

For more details about the loan limits (including FHA Limits, HECM Limits, and Fannie Mae & Freddie Mac loan limits) in any of Hawaii's counties, choose the county from the interactive map or the list below.

Lowest Loan Limit ($995,200)
Highest Loan Limit ($1,879,850)

† Lowest limit for homes with four living-units. There are lower limits for homes with fewer living-units.

Loan Limits by County in Hawaii (5 counties)

County Single Unit Limit (lowest) Four-Plex Limit (highest)
Hawaii County $517,500 $995,200 view details »
Honolulu County $770,500 $1,481,750 view details »
Kalawao County $977,500 $1,879,850 view details »
Kauai County $977,500 $1,879,850 view details »
Maui County $977,500 $1,879,850 view details »

How to qualify for an FHA Loan in Hawaii?

To qualify for an FHA loan in Hawaii, your home loan must be below the local FHA loan limits in your area. For 2023, the maximum loan limit in Hawaii is $517,500 for a single-family home and $1,879,850 for a four-plex. Limits varies by county. The minimum loan limit is $5,000.

Loan limits vary by county and home size. In addition to loan limits, to qualify for an FHA loan you must live in the home as your primary residence. If you're purchasing a multi-family home, the monthly Fair Market Rent (FMR) for the property must exceed 1% of the purchase price. FHA loans cannot be used for commercial real estate investment purposes or "flipping" homes in Hawaii. Additional restricts apply. Click on the Hawaii map above or the table below to see loan limits in your area.

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