VA Loan Limits in Kauai County, Hawaii (2026)
In Kauai County — anchored by Kauai County — the 2026 VA county loan limit is $1,249,125 for a single-family home. As a high-cost county, that runs above the $832,750 national 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 |
Buying in Kauai County with a VA loan
Kauai County's median sits around $1,150,000. Because VA requires no down payment and no PMI, a Kauai County-area buyer finances the price plus a ~$24,725 funding fee, landing near $7,628/month at a sample 6.25% rate — often less than renting.
$0-down VA payment scenarios in Kauai County
VA payments in Kauai County at three price points — all $0 down with the funding fee rolled in:
| Purchase Price | Down | Est. Monthly Payment |
|---|---|---|
| Entry-level — $828,000 | $0 | $5,525 |
| Local median — $1,150,000 | $0 | $7,628 |
| Higher-end — $1,553,000 | $0 | $10,260 |
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 Kauai County too — get alerts.
VA multi-unit limits in Kauai County
Thinking multi-unit near Kauai County? VA allows up to $1,599,225 on a duplex and $2,402,475 on a fourplex in Kauai 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 Kauai County for 2026?
- For veterans with partial entitlement, the 2026 VA limit in Kauai 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 Kauai County?
- Eligible veterans can buy with no down payment at all. On a median $1,150,000 Kauai County home that is $0 down, with a one-time funding fee of about $24,725 that is usually financed into the loan.
- Does a VA loan have monthly mortgage insurance in Kauai 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 Kauai County a high-cost VA county?
- Yes — Kauai County's partial-entitlement limit of $1,249,125 is above the $832,750 national baseline.