Conventional FP

Conventional loans use Fannie Mae or Freddie Mac underwriting guidelines. Unlike FHA loan limits, which can vary widely by County based on the area median income, Conventional minimum loan limits are set nationwide by Fannie Mae.

Conventional loan limits can be exceeded if you are buying a multi family home, or if you are buying in a high cost County. Conventional loans allow as little as a 3% to 5% down payment.

Island1 UnitDuplexTriplexFourplex
HAWAII$636,150$814,500$984,525$1,223,475
HONOLULU$721,050$923,050$1,115,800$1,386,650
KALAWAO$657,800$842,100$1,017,900$1,265,000
KAUAI$713,000$912,750$1,103,350$1,371,150
MAUI$657,800$842,100$1,017,900$1,265,000

Hawaii Conventional Loan Limits by Island

Fannie Mae and Freddie Mac

Conventional loans follow Fannie Mae or Freddie Mac underwriting guidelines. Conventional minimum loan limits are set nationwide.

Conventional loan limits can be higher than the conforming loan limit in high cost Counties.  High cost Counties get to enjoy all of the benefits of traditional conforming underwriting guidelines.

Conventional loans allow as little as a 3% to 5% down payment when buying your primary residence.

You can find FHA and VA Loan limits here.

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Hawaii Conventional Loan Limits by Island

County1 Unit SFR2 Unit Duplex3 Unit Triplex4 Unit Fourplex
HAWAII$679,650$870,225$1,051,875$1,307,175
HONOLULU$721,050$923,050$1,115,800$1,386,650
KALAWAO$679,650$870,225$1,051,875$1,307,175
KAUAI$713,000$912,750$1,103,350$1,371,150
MAUI$679,650$870,225$1,051,875$1,307,175
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