2026 New Hawaii Conforming Loan Limit

Every year the FHFA (Federal Housing Finance Agency) sets a new loan limit for the coming year. The limit is additionally adjusted in some high costs area, such as Hawaii, where the median home costs exceed the limit. The new Hawaii FHFA confirmed loan limit for 2026 is $1,249,125. FHFA Announces Conforming Loan Limit Values.

The increase of the limits opens up opportunities for both home buyers and owners. Buyers can complete low down purchases at a higher purchase price now while obtaining a lower conforming rate. Homeowners that closed on what was before a jumbo loan and now is conforming (between $1.2 – 1.249 million) may be able to refinance to a lower rate or take out the additional cash their jumbo loan required for down.

We are currently offering this loan limit on conventional loans.

Contact C2 Hawaii to explore your options: Contact Us