State loan-limit landscape
Hawaii 2026 county loan-limit landscape
How conforming and FHA one-unit limits vary across Hawaii counties and how borrowers can use them responsibly.
Source: Federal Housing Finance Agency + U.S. Department of Housing and Urban Development
Last updated . Article facts reviewed through this date. Time-sensitive figures show their own as-of dates.
The published evidence provides the starting point: Hawaii's statewide summary covers 5 county or county-equivalent records. For the decision at hand, within those records, the 2026 one-unit conforming limit runs from $1,249,125 to $1,299,500. That range may help borrowers see why the property county must be identified before a loan amount is assigned a conforming or jumbo category. In practical terms, the $1,249,125 to $1,299,500 range confirms that one conforming ceiling does not apply uniformly across Hawaii. The 5 record count keeps the range tied to the statewide source coverage rather than an assumed national rule. The $1,249,125 to $1,299,500 amounts classify loan size within the published program table; they do not establish a borrower's capacity, a property's value, or the price of financing. Before using the $1,299,500 statewide maximum, county, legal unit count, and expected base loan amount must be known.
The highest one-unit conforming amount in Hawaii is $1,299,500, while the highest FHA amount is $1,299,500; at the low end, the figures are $1,249,125 and $586,500.