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.
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Hawaii Conventional Loan Limits by Island
| County | 1 Unit SFR | 2 Unit Duplex | 3 Unit Triplex | 4 Unit Fourplex |
|---|---|---|---|---|
| HAWAII COUNTY | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| HONOLULU COUNTY | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| KALAWAO COUNTY | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| KAUAI COUNTY | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| MAUI COUNTY | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |