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Buying a home for the holidays, and hoping for a bargain? Learn the pros and cons of buying a home during the winter months.

Buying a home for the holidays, and hoping for a bargain? Learn the pros and cons of buying a home during the winter months.

Current FHA Mortgage Rates in HI - Hawaii FHA Mortgage

Hawaii Mortgages

2024 FHA Loan Limits for Hawaii

FHA Loans are government insured mortgages from the Federal Housing Administration and are an attractive option for homebuyers with small down payments or who have less-than-stellar credit. An FHA-backed loan can also be attractive to homeowners who want to refinance.

FHA mortgages are backed by a self-insuring pool to limit risks for the lenders who make these low downpayment loans. Homebuyers or homeowners looking to refinance can borrow with as little as a 3.5% downpayment or equity stake.

Learn more about FHA loans or calculate FHA loan costs and compare FHA loans against conventional low-downpayment mortgage programs.

FHA loan limits are different than those for conventional mortgages, as they use a formula based on median home prices; as such, FHA loan limits are reset each year, and vary from county to county in each state. The 2024 FHA loan limits for each county in Hawaii are below.

Select County
County Name One Family Two Family Three Family Four Family
Hawaii One Family$517,500 Two Family$662,500 Three Family$800,800 Four Family$995,200
Honolulu One Family$779,700 Two Family$998,150 Three Family$1,206,550 Four Family$1,499,450
Kalawao One Family$1,000,500 Two Family$1,280,850 Three Family$1,548,250 Four Family$1,924,100
Kauai One Family$1,029,250 Two Family$1,317,650 Three Family$1,592,700 Four Family$1,979,350
Maui One Family$1,000,500 Two Family$1,280,850 Three Family$1,548,250 Four Family$1,924,100

Mortgage Rates by State

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