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Jumbo Loans in Kahului, HI (2026): Threshold & Down Payment — $833,200 Median

Quick answer

In Kahului, HI, a loan above $1,299,500 is jumbo under Maui County's 2026 conforming limit. The $833,200 median home value is 64.1% of that limit and below it; at 20% down, the median purchase needs $166,640 cash and a $666,560 loan, which does not exceed the jumbo threshold.

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

How does Kahului compare with Hawaii?

The city's median is near the statewide median by $25,000. The higher price-to-income ratio makes the down payment and monthly debt budget particularly important. The median is 64.1% of the conforming limit. A median-valued purchase fits the FHA base-loan limit at 3.5% down.

When does a Kahului purchase become jumbo?

Purchase benchmarkDown paymentLoan amountJumbo?
$833,20010%: $83,320$749,880No
$833,20020%: $166,640$666,560No
$1,299,50010%: $129,950$1,169,550No
$1,299,50020%: $259,900$1,039,600No

The loan amount, not the purchase price, determines jumbo status. At 10% down the conforming purchase ceiling is $1,443,889; at 20% down it is $1,624,375. A loan exactly at $1,299,500 is conforming. Jumbo down payments, reserves, PMI and rates are lender-specific; 10% and 20% are scenarios, not promised minimums.

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

Is there down payment assistance in Kahului?

No applicable programs have been verified for this city yet. Check the state housing finance agency for current assistance.

Home buying in Kahului · The Hawaii version

Jumbo loans in the nearest eligible cities

WailukuKiheiLahainaKaiminaniEast HonoluluKailua

Home loan options in Kahului

FHA loansFirst-time home buyer programsVA loansConventional loansHome affordabilityNew construction home loans

Frequently asked questions

In Kahului, HI, a loan above $1,299,500 is jumbo under Maui County's 2026 conforming limit. The $833,200 median home value is 64.1% of that limit and below it; at 20% down, the median purchase needs $166,640 cash and a $666,560 loan, which does not exceed the jumbo threshold.

0 city-level, 0 county-level and 0 statewide programs are verified for this city (0 total). Eligibility and available funds depend on each official program's terms.

Median household income is $92,062, while median home value is $833,200, a 9.05 price-to-income ratio. At 5% down, 7.18% and state-average taxes and insurance, about $258,000 income is needed under the 28% housing guideline; debts also count toward the 36% total-debt guideline.

Sources

Data last updated November 5, 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.