HI — Hawaii
Hawaii Mortgage Guide
All Hawaiian counties are designated high-cost; Pearl Harbor drives strong VA demand.
2024 Conforming Limit
$1,149,825
High-cost state
Avg 30yr Fixed Rate
7.20%
VA Friendly
Yes
Strong VA market
First-Time Buyer Program
HHFDC Hula Mae Multi-Family Program
Hawaii offers down payment assistance (DPA) for qualifying buyers. Contact a participating lender or your state housing finance authority for current income limits and program availability.
Understanding Your Conforming Limit
The 2024 FHFA conforming loan limit for Hawaii is $1,149,825. Loans at or below this amount qualify as conforming loans, which typically carry lower interest rates and require less documentation than jumbo loans.
Hawaii is a high-cost area. Higher limits mean more buyers can access conventional conforming financing instead of jumbo loans, which often require larger down payments and stricter credit standards.
Popular Loan Types in Hawaii
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