Hawaii Mortgage Guides 2026
This complete Hawaii mortgage guide covers FHA loan limits by island county, HHFDC’s Hale Kamaʻāina down payment assistance, USDA rural loans, VA resources for Hawaii’s major military installations, and a complete closing cost breakdown — including Hawaii’s conveyance tax — all in one place.
Everything You Need for a Hawaii Home Purchase
Six in-depth guides covering every aspect of getting a mortgage in Hawaii — from loan program selection to what you’ll pay at closing.
Hawaii Mortgage Guide
FHA loan limits by island county, loan program comparison, property tax overview, and how the Hawaii housing market affects your financing options.
Read guide →Hawaii First-Time Home Buyer Guide
HHFDC’s Hale Kamaʻāina Mortgage Program, down payment assistance up to 4%, county down payment assistance programs, and income limits by island — compared side by side.
Read guide →Hawaii FHA Loan Requirements
2026 FHA limits ranging from $586,500 on Hawaii Island to $1,299,500 in Maui and Kalawao counties, plus credit score and MIP rules.
Read guide →Hawaii VA Loan Requirements
VA entitlement, the 2026 funding fee chart, and resources for Joint Base Pearl Harbor-Hickam, Schofield Barracks, and veterans statewide.
Read guide →Hawaii USDA Loans
Current USDA income limits and eligible rural/suburban areas across Hawaii, Maui, and Kauaʻi counties, and how zero-down USDA compares to FHA.
Read guide →Hawaii Closing Costs Guide
Hawaii’s graduated conveyance tax explained, the escrow-only closing process, and a complete fee-by-fee breakdown for Hawaii buyers and sellers.
Read guide →Key Hawaii Mortgage Guide Facts
FHA Loan Limits
- Hawaii County (Big Island): $586,500
- Honolulu County (Oʻahu): $828,000
- Kauaʻi County: $1,110,900
- Maui & Kalawao counties: $1,299,500
Down Payment Assistance
- HHFDC Hale Kamaʻāina: up to 4% of purchase price, repayable 2nd mortgage at 1% interest
- Honolulu County DPA: up to $40,000, 0% interest, forgiven over 20 years
- Hawaii Homeownership Center: deferred closing cost loan up to $10,000, 0% interest
- Min credit score: 620 for most HHFDC programs
USDA Income Limits
- Standard limit (most areas): $122,800 (1–4 person)
- Standard limit (most areas): $162,100 (5–8 person)
- Metro areas may run higher — verify by county
- FY2026 figures, effective July 13, 2026
Closing Cost Highlights
- Hawaii real estate conveyance tax: graduated 0.10%–1.25%, customarily seller-paid
- Hawaii is an escrow-only closing state — no attorney required
- Typical buyer costs (excluding tax): 1%–2% cash, 2%–4% financed
- Non-resident sellers face HARPTA withholding of 7.25%
Buying or Refinancing in Hawaii?
We’re building out our Hawaii loan-officer network now, so we can’t yet connect you with an F1 Lenders advisor here — but Hawaii has real programs worth knowing before you shop for a mortgage. HHFDC’s Hale Kamaʻāina Mortgage Program can provide down payment assistance up to 4% of your purchase price alongside a below-market first mortgage rate. And Hawaii’s real estate conveyance tax (a graduated state tax of 0.10%–1.25% of the sale price, customarily paid by the seller) is worth understanding before you write an offer.
- ✓ Check Hale Kamaʻāina eligibility and current rates at dbedt.hawaii.gov/hhfdc
- ✓ Confirm your county’s 2026 FHA loan limit with HUD’s official FHA limit lookup tool
- ✓ Look up your island’s conveyance tax rate via the Hawaii Dept. of Taxation before you write an offer
- ✓ Check a specific address for USDA eligibility at USDA’s eligibility map
Coming soon · No obligation · Educational first
Hawaii Advisor Network — Coming Soon
We currently connect buyers with licensed mortgage advisors in Florida and Utah. Hawaii is on our expansion list. In the meantime, our Hawaii guides and the official program links above have everything you need to research your purchase.
Join the Hawaii Waitlist