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FHA loans in Royal Kunia, HI

Quick answer

The 2026 FHA loan limit in Royal Kunia, HI (Honolulu County) is $828,000 for a single-family home, enough for a purchase price up to about $858,000 with 3.5% down. On the $833,000 median home value, that down payment is about $29,155 and the estimated payment is $6,226/month at 7.18%, which needs roughly $267,000 a year in income.

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

Median household income: $133,579; value-to-income ratio 6.24. Royal Kunia ranks 14 by home value and 23 by population among 35 places in our HI dataset.

What does an FHA loan cost on a typical Royal Kunia home?

ItemRoyal Kunia
Median home value (Census ACS)$833,000
Hawaii median home value$808,200
Down payment (3.5%)$29,155
Loan incl. 1.75% upfront MIP$817,912
Estimated monthly payment (PITI + MI)$6,226
Income needed (28% / 36%)$267,000 / $208,000
Honolulu County 2026 FHA limit (1 unit)$828,000
Max purchase price at the limit$858,000

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 Royal Kunia?

Royal Kunia is in Honolulu County, a designated high-cost area, where HUD's 2026 one-unit FHA limit is $828,000. With the minimum 3.5% down, that caps the purchase price at about $858,000; above that you'd need a bigger down payment or a conventional loan (conforming limit $1,249,125).

The Royal Kunia median home value of $833,000 is 3% above the Hawaii median, and within what the county limit supports.

Which down payment assistance programs can Royal Kunia buyers use?

FHA loans in nearby cities

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FHA loan FAQs for Royal Kunia

Royal Kunia is in Honolulu County, where HUD's 2026 FHA limit for a one-unit home is $828,000. With 3.5% down, that supports a purchase price up to about $858,000.

3.5% of $833,000 is about $29,155 with a 580+ credit score (10%, or $83,300, with a 500–579 score), plus closing costs.

At the $833,000 median value (close to the Hawaii median of $808,200), the estimated payment of $6,226/month at 7.18% needs about $267,000 a year under the 28% housing guideline, or $208,000 if your total debts stay under 36%.

0 city-level, 1 county-level and 0 statewide programs are verified for this city (1 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.