— FHA LOANS
FHA LOANS
Flexible government-insured mortgage options designed to support accessible homeownership in Hawaii and other markets where Pacific Home Loans is licensed.
— ABOUT FHA LOANS
Hawaii FHA
Home Loans
Federal Housing Administration (FHA) loans are government-insured mortgage programs designed to make homeownership more accessible – especially for buyers who benefit from flexible credit guidelines and a low down payment option.
In Hawaii’s competitive housing market, FHA can be a strong solution for both first-time and repeat buyers. At Pacific Home Loans, we evaluate FHA alongside conventional and VA options to ensure your financing is structured appropriately before you submit an offer.
Multi-State Availability
Pacific Home Loans provides FHA financing solutions in multiple states, including Hawaii, California, Nevada, and other markets where we are licensed.
While this page focuses on Hawaii-specific guidance, FHA loan programs may be available in other states based on borrower eligibility, property type, and program guidelines.
— FHA LOANS
Why Consider an FHA
Loan in Hawaii?
- 5% minimum down payment for qualified borrowers
- Flexible credit qualification standards
- Higher allowable debt-to-income ratios in certain scenarios
- Eligible gift funds may be used toward down payment and closing costs
- FHA loans are assumable
- Not limited to first-time homebuyers
— LOAN LIMITS
2026 FHA
Loan Limits
2026 Hawaii FHA Loan Limits
Honolulu County
- 1-Unit: $828,000
- 2-Unit: $1,060,000
- 3-Unit: $1,281,300
- 4-Unit: $1,592,350
Maui/Kalawao County
- 1-Unit: $1,299,500
- 2-Unit: $1,663,600
- 3-Unit: $2,010,950
- 4-Unit: $2,499,100
Kauai County
- 1-Unit: $1,110,900
- 2-Unit: $1,422,150
- 3-Unit: $1,719,050
- 4-Unit: $2,136,400
Hawaii County (Big Island)
- 1-Unit: $586,500
- 2-Unit: $750,800
- 3-Unit: $907,550
- 4-Unit: $1,127,900
Looking Up FHA Loan Limits in Other Counties
FHA loan limits vary by county across the country and are updated annually by the U.S. Department of Housing and Urban Development (HUD) to reflect local home prices.
HUD’s FHA Mortgage Limits page allows you to look up FHA loan limits for one or more areas and list them by state, county, or Metropolitan Statistical Area.
For 2026, the national floor for a single-family home is $541,287, while the ceiling in high-cost markets reaches $1,249,125 – and as a special exception area, Hawaii’s limits reflect the higher costs of construction and real estate in our state. To find the FHA loan limit for any county in the U.S., visit HUD’s official lookup tool HERE, or contact one of our loan officers – we’re happy to help you understand what you may qualify for.
— FHA MIP
Condo Considerations
in Hawaii
Not all Hawaii condominium projects qualify for FHA financing. Project approval status, insurance coverage, litigation exposure, and owner-occupancy ratios may impact eligibility and escrow timing.
→ Buying a Condo
→ PrimeResort™ Condo Financing
Compare Hawaii Buyer Options
→ First-Time Homebuyer Programs
→ VA Loan
How FHA Fits Into the PHL Lending Platform
Traditional Agency Financing (FHA, VA, Conventional)
↓
Alternative Documentation (Non-QM)
↓
Portfolio Lending Solutions
→ Portfolio Loans & Flexible Financing Solutions
