— BUYING A HOME
Home Purchase
Loan Programs
An overview of agency, government, jumbo, and specialty mortgage options available throughout Hawaii, with solutions supported in other markets where Pacific Home Loans is licensed.
— ABOUT HOME PURCHASE LOANS
Hawaii Home Purchase
Loan Programs
Pacific Home Loans offers a wide range of Hawaii home loan programs designed to serve primary residences, second homes, and eligible investment properties across Maui, Oahu, Kauai, and the Big Island.
This page provides a high-level overview of the major mortgage categories available in Hawaii, including conforming, government-backed, jumbo, and specialty loan options. For detailed qualification requirements, explore the specific program pages linked below.
Multi-State Availability
Pacific Home Loans provides home loan solutions in multiple states, including Hawaii, California, Nevada, and other markets where we are licensed.
While this page focuses on Hawaii-specific guidance, the loan categories outlined below may be applied to transactions in other states based on borrower profile, property type, and program eligibility.
— FINANCING OPTIONS
Agency & Government-Backed
Home Loan Options
Agency & Government-Backed Loans
Agency loans are mortgages that meet the guidelines established by Fannie Mae, Freddie Mac, and Ginnie Mae. These programs are commonly used for primary residences and, in some cases, second homes and investment properties.
Conventional Conforming Loans
Available up to current Hawaii conforming loan limits.
- Fixed-rate and adjustable-rate options available
- Widely used for primary residences and eligible second homes
FHA Loans
Insured by the Federal Housing Administration, FHA loans are designed to provide flexible qualification standards for eligible primary residence buyers.
VA Loans
Available to eligible veterans, active-duty service members, and certain surviving spouses. Qualified borrowers with full entitlement may finance up to 100% of the purchase price, subject to appraisal and lender approval.
— LOAN LIMITS
2026 Hawaii Conforming
Loan Limits
Hawaii Conforming Loan Limits
Honolulu, Kauai, Hawaii (Big Island)
1-Unit Property: $1,299,500
2 Unit Property: $1,663,950
3 Unit Property: $2,011,600
4 Unit Property: $2,500,300
Maui & Kalawao Counties
1-Unit Property: $1,249,125
2 Unit Property: $1,599,650
3 Unit Property: $1,934,150
4 Unit Property: $2,403,350
Standard Conforming Loan Limits
Baseline (Most U.S. Counties)
1-Unit Property: $832,750
2 Unit Property: $1,066,650
3 Unit Property: $1,289,150
4 Unit Property: $1,601,750
High-Cost Areas
1-Unit Property: $1,249,125
2 Unit Property: $1,599,650
3 Unit Property: $1,934,150
4 Unit Property: $2,403,350
FHA Loan Limits
FHA loan limits vary by county and are updated annually by the U.S. Department of Housing and Urban Development (HUD). For 2026, the FHA floor (which applies to most lower-cost areas) is $524,225 for a single-family home, while the ceiling in high-cost areas reaches $1,209,750. To find the exact FHA loan limit for your county, visit HUD’s official loan limit lookup tool at entp.hud.gov/idapp/html/hicostlook.cfm, where you can search by state, county, or metropolitan area.
VA Loan Limits in Hawaii
VA loan limits are not one-size-fits-all – they are based on each individual veteran’s available entitlement and the conforming loan limit of the county where they are purchasing. Veterans with full entitlement may be able to purchase a home with zero down payment and no loan limit, while those with partial entitlement may have limits tied to the local county conforming loan limit.
To learn more about your VA entitlement and how it applies to your home purchase, speak with one of our VA loan specialists – we’re honored to serve those who have served and are here to help you maximize your VA benefit.
Jumbo & High-Value Loan Programs
When loan amounts exceed conforming limits, jumbo financing may apply. Jumbo loans are an excellent financing option for buyers purchasing in higher-priced markets, and our team at Pacific Home Loans has the experience and expertise to guide you through the process. Whether you’re buying a luxury home, investing in a high-cost market, or simply need financing above the conforming limit, we’re here to help you find the right jumbo loan solution for your unique situation.
Portfolio & Specialty Loan Programs
When a loan scenario does not fit within standard agency guidelines, alternative solutions may be available, including portfolio-backed lending, non-warrantable condominium financing, and structured solutions for higher-value transactions. Pacific Home Loans offers portfolio loan options up to $30 million, giving our clients the purchasing power they need to secure high-value properties across any market.
— FINANCING OPTIONS
Primary Residence, Second Home
& Investment Programs
Primary Residence
- Conventional conforming
- FHA
- VA
- HomeReady and Home Possible for eligible first-time buyers
→ First-Time Homebuyer Loan Programs
Second Homes
- Conventional second-home programs
- Higher down payment requirements may apply
Investment Properties
- Conventional investment programs
- Debt Service Coverage Ratio (DSCR) loans
- Alternative income qualification programs
→ Hawaii DSCR Loan Programs
→ Hawaii Alternative Documentation (Non-QM) Loan Programs
— HOME PURCHASE LOANS
Choosing the Right
Hawaii Home Loan Program
Selecting the appropriate program depends on occupancy type, loan amount, income structure, property classification, condo project eligibility, and long-term financial goals. We provide structured loan comparisons before you submit your offer, ensuring your financing aligns with Hawaii’s competitive real estate environment.
Call our team today for a free strategy consultation: 1-866-389-2778
