State of Hawaii Home Loan Programs

The following guide will help you to determine the minimum down and the corresponding loan programs available for your loan scenario.

Primary Residence

Minimum Down Maximum Purchase Price Loan Program
0% $2,500,000 VA loan
0% $578,600** USDA
3% $847,809* HomePossible
3% $847,809* HomeReady
3.5% $750,000*** FHA
5% $865,657* Conventional
10% $1,666,667 Portfolio No MI
15% $2,352,941 Portfolio No MI
20% $2,500,000 Portfolio
25% $4,000,000 Portfolio
30% $7,142,858 Portfolio

Second Home

Minimum Down Maximum Purchase Price Loan Program
10% $913,750* Conventional
15% $2,352,941 Portfolio No MI
20% $3,750,000 Portfolio
25% $6,666,667 Portfolio

Investor

Minimum Down Maximum Purchase Price Loan Program
20% $1,027,968* Conventional
25% $4,000,000 Portfolio

Agency Loans

Fannie Mae and Freddie Mac
Fixed Rate & ARM

Agency Loan Terms

30 Year Fixed
25 Year Fixed
20 Year Fixed
15 Year Fixed
10 Year Fixed
7 Year ARM
5 Year ARM
3 Year ARM

Portfolio Jumbo Loans

$822,376* and up
Non-agency and non-government
Fixed Rate & ARM

Portfolio Loan Terms

30 Year Fixed
20 Year Fixed
15 Year Fixed
7 Year ARM
5 Year ARM
3 Year ARM
1 Year ARM

Government Loans

VA Loan
FHA Loan
USDA Loan

Government Loan Terms

FHA and VA
30 Year Fixed & 5/1 ARM

USDA
30 Year Fixed

State of Hawaii Loan Limits

Loan amounts up to $20,000,000 are available on a case-by-case basis. See below, or click here, for complete list of maximum conforming county loan limits.

State of Hawaii Agency Conforming Loan Limits

1 Unit 2 Units 3 Units 4 Units
$822,375 $1,053,000 $1,272,750 $1,581,750