Veterans with full entitlement have no VA loan limit in Hawaii. With reduced entitlement, 2026 county limits in Hawaii range from $1,249,125 to $1,299,500 (Kalawao County).
How VA limits work
Since 2020, the VA does not cap loans for borrowers with full entitlement. If you have an active VA loan, or a past one whose entitlement wasn’t restored (reduced entitlement), the VA guarantees up to 25% of the county limit minus the entitlement already used. Above that, you may need a down payment.
2026 county limits in Hawaii (reduced entitlement)
| County | VA / conforming limit | FHA limit |
|---|---|---|
| Kalawao County | $1,299,500 | $1,299,500 |
| Maui County | $1,299,500 | $1,299,500 |
| Hawaii County | $1,249,125 | $586,500 |
| Honolulu County | $1,249,125 | $828,000 |
| Kauai County | $1,249,125 | $1,110,900 |
Source: FHFA 2026 conforming loan limits, which the VA uses as county limits; HUD CY2026 FHA limits. Not lending advice.
Frequently asked questions
Is there a VA loan limit in Hawaii?
Veterans with full entitlement have no VA loan limit in Hawaii. With reduced entitlement, 2026 county limits in Hawaii range from $1,249,125 to $1,299,500 (Kalawao County).
What is the maximum VA loan for 2026?
No maximum with full entitlement. With reduced entitlement, the baseline county limit is $832,750, higher in high-cost counties.