Hawaii County, Hawaii FHA loan limits 2025
The maximum FHA-insured mortgage in Hawaii County for case numbers assigned in 2025. Source: HUD Mortgagee Letter 2024-21.
| Property type | Hawaii County 2025 limit |
|---|---|
| 1-unit (single family) | $814,500 |
| 2-unit (duplex) | $2,323,475 |
| 3-unit (triplex) | $2,808,325 |
| 4-unit (fourplex) | $3,490,300 |
What this means for Hawaii County buyers
FHA insures mortgages up to $814,500 for a single-family home in Hawaii County. Loan amounts above this cap are not eligible for FHA financing in this county; you would need to use a conventional or jumbo product instead.
With FHA's 3.5% minimum down payment, that $814,500 cap means a maximum sale price of approximately $844,041 while still using FHA. Hawaii County is between the national floor and ceiling.
Hawaii County is in a HUD-designated special area (Alaska, Hawaii, Guam, or USVI), which allows FHA limits up to 150% of the standard high-cost ceiling.
Estimate your monthly payment
Run the FHA monthly payment, including the upfront and annual mortgage insurance premium (MIP) that comes with every FHA loan.
Common questions
For a single-family home in Hawaii County, the 2025 FHA loan limit is $814,500. Two-unit, three-unit, and four-unit limits are $2,323,475, $2,808,325, and $3,490,300 respectively.
HUD publishes FHA forward-mortgage limits each December, effective for case numbers assigned starting January 1. The limits are tied to the FHFA conforming loan limit (FHA floor is 65% of the conforming limit; ceiling is 150%).
No. Loan amounts above $814,500 are not FHA-insurable in Hawaii County. You would need conventional financing (which has its own conforming limit of $806,500) or a jumbo loan above that.
With FHA's 3.5% minimum down payment, the maximum sale price is roughly $844,041. With 10% down, the maximum sale price is roughly $905,000.
Yes, every January. Limits typically rise with home-price appreciation. Counties can move from the floor to mid-cost or to the ceiling as local prices change.