Skip to content
Purchase Mortgage Loan
Get Pre-Approved

First-time home buyer programs in Royal Kunia, HI

Quick answer

First-time buyers in Royal Kunia, 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 $833,000 median home, 3% down is about $24,990 and the estimated payment is $6,127/month at 7.18%.

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 a first-time buyer 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%)$24,990
Loan amount$808,010
Estimated monthly payment (PITI + MI)$6,127
Income needed (28% / 36%)$263,000 / $205,000
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 Royal Kunia?

Royal Kunia 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 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?

First-time buyer loans in nearby cities

WaipahuWaipioMililani TownMakakiloPearl CityEwa Gentry

First-time buyer loan FAQs for Royal Kunia

On the $833,000 median: 3% conventional ≈ $24,990, 3.5% FHA ≈ $29,155, and 0% for eligible VA or USDA buyers. Conventional loans above $1,249,125 in Honolulu County become jumbo loans.

At the $833,000 median value (close to the Hawaii median of $808,200), the estimated payment of $6,127/month at 7.18% needs about $263,000 a year under the 28% housing guideline, or $205,000 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.

Get matched with First-time buyer lenders in Royal Kunia

Answer a few quick questions and get matched with purchase mortgage lenders in your area. Free, and it won't affect your credit score.

Get My Matches

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.