FHA Mortgage Loan Limits for Hawaii County, Hawaii

Below are the 2021 loan limits for single family homes for Hawaii County, Hawaii.

Single Family Home Loan Limits:

Conventional

$822,375

FHA Mortgage

$408,250

What's the Difference Between Conventional and FHA Loans?

A conventional mortgage is a loan that originates from a private lender and is not backed by the government. Loan qualification can be more challenging, but the loan limits are typically higher than FHA loan limits. As a result, a conventional loan provides more purchasing power.


FHA mortgage loans are typically easier to qualify for than a conventional loan as they are insured by the U.S. government. FHA loan limits are typically lower than conventional loans and must meet the official HUD minimum property standards. A great option for those with a higher risk profile, but purchasing power is reduced compared to a conventional loan.

Read more about the differences

What are FHA Loan Limits?

The Federal Housing Administration (FHA) establishes a maximum loan amount, or loan limit, that it will insure. This is known as the FHA lending limit. These loan limits are calculated and updated annually.

Learn more about how FHA loan limits impact home buyers

County Insights

Estimated Population (2018): 201,513


Cities and Towns:

  • Ainaloa, HI
  • Captain Cook, HI
  • Discovery Harbour, HI
  • Eden Roc, HI
  • Fern Acres, HI
  • Fern Forest, HI
  • Halaula, HI
  • Hawaiian Acres, HI
  • Hawaiian Beaches, HI
  • Hawaiian Ocean View, HI
  • Hawaiian Paradise Park, HI
  • Hawi, HI
  • Hilo, HI
  • Holualoa, HI
  • Honalo, HI
  • Honaunau-Napoopoo, HI
  • Honokaa, HI
  • Honomu, HI
  • Kahaluu-Keauhou, HI
  • Kailua, HI
  • Kalaoa, HI
  • Kapaau, HI
  • Keaau, HI
  • Kealakekua, HI
  • Kukuihaele, HI
  • Kurtistown, HI
  • Laupahoehoe, HI
  • Leilani Estates, HI
  • Mountain View, HI
  • Naalehu, HI
  • Nanawale Estates, HI
  • Orchidlands Estates, HI
  • Paauilo, HI
  • Pahala, HI
  • Pahoa, HI
  • Papaikou, HI
  • Paukaa, HI
  • Pepeekeo, HI
  • Puako, HI
  • Volcano, HI
  • Waikoloa Village, HI
  • Waimea, HI
  • Wainaku, HI
  • Waiohinu, HI
  • Homuula-Upper Piihonua, HI
  • Honokaia, HI
  • Honomu, HI
  • Kamaoa-Puueo, HI
  • Kamoku-Kapulena, HI
  • Kaohe-Olaa, HI
  • Kaumana, HI
  • Kawaihae, HI
  • Keahuolu, HI
  • Kealakehe, HI
  • Keaukaha, HI
  • Keoniki, HI
  • Kolaoa, HI
  • Lalamilo, HI
  • Makuu, HI
  • Nienie, HI
  • Panaewa (Agricultural), HI
  • Panaewa (Residential), HI
  • Pauahi, HI
  • Piihonua, HI
  • Ponohawaii, HI
  • Puukapu, HI
  • Upolu, HI
  • Waiakea, HI
  • Wailau, HI
  • Waimanu, HI
  • Waiohinu, HI


Details courtesy of County Insights


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