Hawaii 2025 FHA Loan Limits
Loan Limits in Hawaii
Hawaii has 5 counties with FHA Limits ranging from a low of $571,550 for a 1-bedroom unit in Hawaii County to a high of $2,136,400 for a 4-bedroom unit in Kauai 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.
Highest Loan Limit ($2,136,400)
† 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 | $571,550 | $1,099,150 | view details » |
| Honolulu County | $779,700 | $1,499,450 | view details » |
| Kalawao County | $1,099,400 | $2,114,300 | view details » |
| Kauai County | $1,110,900 | $2,136,400 | view details » |
| Maui County | $1,099,400 | $2,114,300 | 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 2025, the maximum loan limit in Hawaii is $571,550 for a single-family home and $2,136,400 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.