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First-time home buyer programs in Kaneohe Base, HI

Quick answer

First-time buyers in Kaneohe Base, HI can use 3%-down conventional loans (up to the $1,249,125 Honolulu County conforming limit), 3.5%-down FHA, or VA and USDA where eligible, plus 1 verified city, county or statewide assistance program. On the $390,600 median home, 3% down is about $11,718 and the estimated payment is $2,942/month at 7.18%.

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

Median household income: $70,000; value-to-income ratio 5.58. Kaneohe Base ranks 33 by home value and 32 by population among 35 places in our HI dataset.

What does a first-time buyer loan cost on a typical Kaneohe Base home?

ItemKaneohe Base
Median home value (Census ACS)$390,600
Hawaii median home value$808,200
Down payment (3%)$11,718
Loan amount$378,882
Estimated monthly payment (PITI + MI)$2,942
Income needed (28% / 36%)$127,000 / $99,000
Honolulu 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 Kaneohe Base?

Kaneohe Base is in Honolulu County. Conventional 3%-down loans go up to the $1,249,125 conforming limit (price ≈ $1,287,000); FHA loans go up to $828,000.

The Kaneohe Base median home value of $390,600 is 52% below the Hawaii median, and within what the county limit supports.

Which down payment assistance programs can Kaneohe Base buyers use?

First-time buyer loans in nearby cities

KaneoheKailuaHonoluluEast HonoluluHalawaWaimalu

First-time buyer loan FAQs for Kaneohe Base

On the $390,600 median: 3% conventional ≈ $11,718, 3.5% FHA ≈ $13,671, and 0% for eligible VA or USDA buyers. Conventional loans above $1,249,125 in Honolulu County become jumbo loans.

At the $390,600 median value (below the Hawaii median of $808,200), the estimated payment of $2,942/month at 7.18% needs about $127,000 a year under the 28% housing guideline, or $99,000 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.