Home Loan Programs2019-01-09T10:30:51-10:00

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.

• Minimum down
• Maximum loan amount
• Loan Program

Hawaii Home Loan Programs
Minimum Down Maximum Loan Loan Program Occupancy
0% up to $726,525* VA loan Primary Residence
Loan amounts** up to $1,000,000 VA loan Primary Residence
0% up to $576,840*** USDA loan Primary Residence
3% up to $726,525* Home Possible® Primary Residence
3% up to $726,525* HomeReady Primary Residence
3.50% up to $721,050**** FHA loan Primary Residence
5% up to $726,525* Conventional Primary Residence
5% up to $2,500,000 Portfolio No MI Primary Residence
20% up to $2,000,000 Portfolio Jumbo Primary Residence
25% up to $2,500,000 Portfolio Jumbo Primary Residence
30% up to $3,000,000 Portfolio Jumbo Primary Residence
40% up to $4,000,000 Portfolio Jumbo Primary Residence
10% up to $726,525* Conventional Second Home
20% up to $1,000,000 Portfolio Jumbo Second Home
25% up to $1,500,000 Portfolio Jumbo Second Home
30% up to $2,000,000 Portfolio Jumbo Second Home
40% up to $4,000,000 Portfolio Jumbo Second Home
20% up to $726,525* Conventional Investor
25% up to $1,000,000 Portfolio Jumbo Investor
30% up to $1,500,000 Portfolio Jumbo Investor
35% up to $2,000,000 Portfolio Jumbo Investor

Loan amounts up to $20,000,000 are available on a case-by-case basis.

*$726,525 is the max conforming loan amount for the State of Hawaii. See below, or click here, for complete list of maximum conforming county loan limits.

**VA Jumbo – The minimum down for a VA Jumbo is 25% of any amount over $726,525*.

***$576,840 is the max loan amount for USDA loans in Honolulu County. Please click here for a complete list of lending limits for USDA loans in all Hawaii counties.

****$721,050 is the max loan amount for FHA loans in Honolulu County. Please click here for a complete list of lending limits for FHA loans in all Hawaii counties.

Loan Programs, Terms, Loan Limits

Portfolio Jumbo Loans
$726,526 and up

Agency Loans
Fannie Mae, Freddie Mac, FHA, VA, & USDA

Government Loans
FHA, VA, USDA

Portfolio Loans
Non-agency and non-government

Government Loan Terms
VA and FHA
30yr fixed
5/1 ARM

USDA
30yr fixed

Conventional Loan Terms
30yr fixed
15yr fixed
10yr ARM
7yr ARM
5yr ARM
3yr ARM

Portfolio Loan Terms
30yr fixed
15yr fixed
10yr ARM
7yr ARM
5yr ARM
3yr ARM
1yr ARM

State of Hawaii Loan Limits

1 unit 2 unit 3 unit 4 unit
$726,525 $930,300 $1,124,475 $1,397,400

*State of Hawaii County Loan Limits – Agency Jumbo

Oahu – Honolulu
1 unit 2 unit 3 unit 4 unit
$726,525 $930,300 $1,124,475 $1,397,400
Maui
1 unit 2 unit 3 unit 4 unit
$726,525 $930,300 $1,124,475 $1,397,400
Kauai
1 unit 2 unit 3 unit 4 unit
$726,525 $930,300 $1,124,475 $1,397,400
Hawaii – Big-Island
1 unit 2 unit 3 unit 4 unit
$726,525 $930,300 $1,124,475 $1,397,400
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Contact Us

Tel: (808) 891-0415
Toll Free: (866) 389-2778
2395 S Kihei Rd #205
Kihei, HI 96753
Hours: M-F 8am to 5pm Hawaii Time

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