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First-time home buyer programs in Kaiminani, HI

Quick answer

First-time buyers in Kaiminani, HI can use 3%-down conventional loans (up to the $1,249,125 Hawaii County conforming limit), 3.5%-down FHA, or VA and USDA where eligible. On the $761,300 median home, 3% down is about $22,839 and the estimated payment is $5,611/month at 7.18%.

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 a first-time buyer loan cost on a typical Kaiminani home?

ItemKaiminani
Median home value (Census ACS)$761,300
Hawaii median home value$808,200
Down payment (3%)$22,839
Loan amount$738,461
Estimated monthly payment (PITI + MI)$5,611
Income needed (28% / 36%)$241,000 / $188,000
Hawaii County 2026 conforming limit (1 unit)$1,249,125
Max purchase price at the limit$1,287,000

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 an estimated 0.5% PMI.

What is the 2026 conforming loan limit in Kaiminani?

Kaiminani is in Hawaii County. Conventional 3%-down loans go up to the $1,249,125 conforming limit (price ≈ $1,287,000); FHA loans go up to $586,500.

The Kaiminani median home value of $761,300 is 6% below the Hawaii median, and within 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.

First-time buyer loans in nearby cities

KailuaWaimeaHiloHawaiian Paradise ParkKiheiKahului

First-time buyer loan FAQs for Kaiminani

On the $761,300 median: 3% conventional ≈ $22,839, 3.5% FHA ≈ $26,646, and 0% for eligible VA or USDA buyers. Conventional loans above $1,249,125 in Hawaii County become jumbo loans.

At the $761,300 median value (below the Hawaii median of $808,200), the estimated payment of $5,611/month at 7.18% needs about $241,000 a year under the 28% housing guideline, or $188,000 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.