Skip to content
Purchase Mortgage Loan
Get Pre-Approved

Jumbo loans in Hawaii

Quick answer

Jumbo loans in Hawaii are needed for loan amounts above $1,249,125 (higher in designated high-cost counties) and typically require 10%–20% down and 700+ credit.

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

Jumbo loan snapshot for Hawaii

ItemEstimate
Minimum down payment10%–20%
Minimum credit score700+
Typical HI home value$808,200
3.5% down on typical home$28,287
20% down on typical home$161,640
Avg. effective property tax0.27%/yr (~$182/mo)
Income for typical home (31% rule)$237,000

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

Which Hawaii programs pair with Jumbo loans?

  • Hula Mae Single Family: Below-market-rate loans for eligible first-time buyers within income and price limits.
  • Mortgage Credit Certificate: When available, a federal tax credit for a portion of mortgage interest paid.

Details and current limits: Hawaii Housing Finance and Development Corporation (HHFDC).

Jumbo loan requirements

  • Credit: 700–720 minimum at many lenders.
  • DTI: often 43% or lower.
  • Reserves: 6–12+ months of principal, interest, taxes and insurance.
  • Full documentation; sometimes two appraisals for very large loans.

Alternatives to a jumbo loan

Some buyers use a 'piggyback' structure — a conforming first mortgage plus a second loan — to avoid jumbo requirements. A larger down payment that brings the loan under the conforming limit is another option.

Jumbo loans in Hawaii cities

Jumbo in HonoluluJumbo in East HonoluluJumbo in Pearl CityJumbo in WaipahuJumbo in KailuaJumbo in KaneoheJumbo in Mililani TownJumbo in KahuluiJumbo in Ewa GentryJumbo in KiheiJumbo in Mililani MaukaJumbo in MakakiloJumbo in Ocean PointeJumbo in WailukuJumbo in HalawaJumbo in Royal KuniaJumbo in KaiminaniJumbo in LahainaJumbo in Kapaa

Frequently asked questions

Yes. Jumbo loans are available statewide in Hawaii through approved lenders, subject to county loan limits where they apply.

Often yes. Hawaii Housing Finance and Development Corporation (HHFDC) and local programs frequently pair assistance with FHA, conventional, VA or USDA first mortgages. Eligibility depends on income, price and program rules.

Answer a few questions on Purchase Mortgage Loan and we'll match you with lenders and loan officers in our network who serve Hawaii.

Get matched with Jumbo lenders in Hawaii

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.