VA Loan Limits in Honolulu County, Hawaii (2026)
From Honolulu County, the 2026 VA county loan limit in Honolulu County is $1,249,125 (one unit) for partial-entitlement borrowers. That exceeds the $832,750 baseline.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $1,249,125 |
| Two-unit (duplex) | $1,599,225 |
| Three-unit (triplex) | $1,933,200 |
| Four-unit (fourplex) | $2,402,475 |
What can you buy with $0 down in Honolulu County?
Honolulu County's median sits around $830,000. Because VA requires no down payment and no PMI, a Honolulu County-area buyer finances the price plus a ~$17,845 funding fee, landing near $5,538/month at a sample 6.25% rate — often less than renting.
$0-down VA payment scenarios in Honolulu County
VA payments in Honolulu County at three price points — all $0 down with the funding fee rolled in:
| Purchase Price | Down | Est. Monthly Payment |
|---|---|---|
| Entry-level — $598,000 | $0 | $4,022 |
| Local median — $830,000 | $0 | $5,538 |
| Higher-end — $1,121,000 | $0 | $7,438 |
Estimates include the financed funding fee plus Hawaii property taxes and insurance — but no monthly mortgage insurance, because VA loans never charge it. Rates move daily near Honolulu County too — get alerts.
VA multi-unit limits in Honolulu County
Thinking multi-unit near Honolulu County? VA allows up to $1,599,225 on a duplex and $2,402,475 on a fourplex in Honolulu County for partial-entitlement borrowers — and owner-occupants still put nothing down.
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Frequently Asked Questions
- What is the VA loan limit in Honolulu County for 2026?
- For veterans with partial entitlement, the 2026 VA limit in Honolulu County is $1,249,125 (one unit), $1,599,225 (duplex), $1,933,200 (triplex), and $2,402,475 (fourplex). With full entitlement there is no limit.
- Do I really need $0 down to buy in Honolulu County?
- Eligible veterans can buy with no down payment at all. On a median $830,000 Honolulu County home that is $0 down, with a one-time funding fee of about $17,845 that is usually financed into the loan.
- Does a VA loan have monthly mortgage insurance in Honolulu County?
- No. VA loans never charge monthly mortgage insurance (PMI/MIP) — one of the biggest reasons a VA loan is cheaper than FHA or low-down conventional financing.
- Is Honolulu County a high-cost VA county?
- Yes — Honolulu County's partial-entitlement limit of $1,249,125 is above the $832,750 national baseline.