FHA Mortgage Loan Limits for Honolulu County, Hawaii

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

Single Family Home Loan Limits:

Conventional

$822,375

FHA Mortgage

$721,050

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): 974,563


Cities and Towns:

  • Ahuimanu, HI
  • Aiea, HI
  • East Honolulu, HI
  • Ewa Beach, HI
  • Ewa Gentry, HI
  • Ewa Villages, HI
  • Halawa, HI
  • Haleiwa, HI
  • Hauula, HI
  • Heeia, HI
  • Hickam Housing, HI
  • Iroquois Point, HI
  • Kaaawa, HI
  • Kahaluu, HI
  • Kahuku, HI
  • Kailua, HI
  • Kalaeloa, HI
  • Kaneohe, HI
  • Kaneohe Station, HI
  • Kapolei, HI
  • Kawela Bay, HI
  • Ko Olina, HI
  • Laie, HI
  • Maili, HI
  • Makaha, HI
  • Makaha Valley, HI
  • Makakilo, HI
  • Maunawili, HI
  • Mililani Mauka, HI
  • Mililani Town, HI
  • Mokuleia, HI
  • Nanakuli, HI
  • Ocean Pointe, HI
  • Pearl City, HI
  • Punaluu, HI
  • Pupukea, HI
  • Royal Kunia, HI
  • Schofield Barracks, HI
  • Urban Honolulu, HI
  • Wahiawa, HI
  • Waialua, HI
  • Waianae, HI
  • Waikane, HI
  • Waikele, HI
  • Waimalu, HI
  • Waimanalo, HI
  • Waimanalo Beach, HI
  • Waipahu, HI
  • Waipio, HI
  • Waipio Acres, HI
  • West Loch Estate, HI
  • Wheeler AFB, HI
  • Whitmore Village, HI
  • East Kapolei, HI
  • Haiku, HI
  • Honolulu Makai, HI
  • Kakaina-Kumuhau, HI
  • Kalaeloa, HI
  • Kalawahine, HI
  • Kanehili, HI
  • Kapolei, HI
  • Kaupea, HI
  • Kewalo, HI
  • Lualualei, HI
  • Maili, HI
  • Makaha Valley, HI
  • Maluohai, HI
  • Nanakuli, HI
  • Papakolea, HI
  • Pearl City, HI
  • Princess Kahanu Estates, HI
  • Waiahole, HI
  • Waianae, HI
  • Waianae Kai, HI
  • Waimanalo, HI


Details courtesy of County Insights


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