Mortgage loans in Hawaii — high-cost loan limits, leasehold vs fee simple, and programs for island homebuyers.
Written by Renzo Johnson, Licensed MLO · NMLS #PENDING · Last updated: February 2026
- Hawaii conforming loan limit: $832,750-$1,209,750 (2026, varies by county)
- FHA loan limits: up to $1,209,750 in high-cost Hawaii counties
- Leasehold vs fee simple: critical distinction in Hawaii real estate
- Leasehold properties may have limited financing options
- Hawaii Housing Finance and Development Corporation (HHFDC) programs
- High cost of living: insurance, utilities, and maintenance costs higher
- VA loans: strong military presence makes VA popular in Hawaii
- Jumbo loans common due to high property values