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FHA loans in Kaiminani, HI

Quick answer

The 2026 FHA loan limit in Kaiminani, HI (Hawaii County) is $586,500 for a single-family home, enough for a purchase price up to about $607,000 with 3.5% down. On the $761,300 median home value, that down payment is about $26,646 and the estimated payment is $5,701/month at 7.18%, which needs roughly $245,000 a year in income.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsData last updated

Median household income: $101,320; value-to-income ratio 7.51. Kaiminani ranks 19 by home value and 28 by population among 35 places in our HI dataset.

What does an FHA loan cost on a typical Kaiminani home?

ItemKaiminani
Median home value (Census ACS)$761,300
Hawaii median home value$808,200
Down payment (3.5%)$26,646
Loan incl. 1.75% upfront MIP$747,511
Estimated monthly payment (PITI + MI)$5,701
Income needed (28% / 36%)$245,000 / $191,000
Hawaii County 2026 FHA limit (1 unit)$586,500
Max purchase price at the limit$607,000

Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.

Payment includes Hawaii's 0.27% effective property tax rate (Census ACS), $1,549/yr homeowners insurance (NAIC state average) and 0.55% annual FHA MIP.

What is the 2026 FHA loan limit in Kaiminani?

Kaiminani is in Hawaii County, a designated high-cost area, where HUD's 2026 one-unit FHA limit is $586,500. With the minimum 3.5% down, that caps the purchase price at about $607,000; above that you'd need a bigger down payment or a conventional loan (conforming limit $1,249,125).

The Kaiminani median home value of $761,300 is 6% below the Hawaii median, and above what the county limit supports.

Which down payment assistance programs can Kaiminani buyers use?

No applicable programs have been verified for this city yet. Check the state housing finance agency for current assistance.

FHA loans in nearby cities

KailuaWaimeaHiloHawaiian Paradise ParkKiheiKahului

FHA loan FAQs for Kaiminani

Kaiminani is in Hawaii County, where HUD's 2026 FHA limit for a one-unit home is $586,500. With 3.5% down, that supports a purchase price up to about $607,000.

3.5% of $761,300 is about $26,646 with a 580+ credit score (10%, or $76,130, with a 500–579 score), plus closing costs.

At the $761,300 median value (below the Hawaii median of $808,200), the estimated payment of $5,701/month at 7.18% needs about $245,000 a year under the 28% housing guideline, or $191,000 if your total debts stay under 36%.

0 city-level, 0 county-level and 0 statewide programs are verified for this city (0 total). Check each official administrator's eligibility rules and available funds.

Sources

Data last updated October 23, 2026.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.