Hawaii Jumbo Loans
A jumbo loan in Hawaii is any mortgage above the county conforming limit, which is $1,249,125 on most islands and $1,299,500 in Maui County, the highest in the nation. We finance island luxury and oceanfront properties up to $5M, including leasehold, with as little as 10% down for well-qualified buyers. See what it takes to afford a million-dollar home.
Hawaii's median home prices exceed $900,000 statewide, with premium areas commanding $2M+. Even with the nation's highest conforming limit ($1,249,125), many Hawaiian properties require jumbo financing.
Jumbo loans finance luxury oceanfront estates, premium Honolulu condos, Maui resort properties, and executive homes across all islands. Competitive rates and flexible structures make high-value purchases achievable.
Hawaii Jumbo Loan Features
Where are jumbo loans used across Hawaii?
Honolulu (Oahu)
Diamond Head, Kahala, Hawaii Kai. Oceanfront condos and single-family estates. Urban luxury meets island lifestyle.
Kahului (Maui)
Wailea, Kaanapali, Kapalua. Premier resort communities and oceanfront properties. Vacation luxury with investment appeal.
Kapolei (Oahu)
Ko Olina, Ocean Pointe. Modern developments with resort amenities. Growing market with appreciation potential.
Big Island & Kauai
Kohala Coast, Princeville, Poipu. Estate properties, golf communities, and oceanfront lots requiring jumbo financing.
Hawaii Jumbo Loan FAQs
What is the jumbo loan limit in Hawaii?
Hawaii conforming limits reach $1,249,125 for 2026—the highest in the nation ($1,299,500 in Maui County). Loans above this threshold require jumbo financing, which is common given Hawaii median prices.
What credit score do I need for a Hawaii jumbo loan?
Most Hawaii jumbo programs require 700+ credit scores, with optimal pricing at 740+. Some programs accept 680 with compensating factors like larger down payments or significant reserves.
How much down payment for a Hawaii jumbo mortgage?
Hawaii jumbo loans typically require 10-20% down. On a $2M Honolulu property, expect $200,000-$400,000 minimum down payment. Some programs offer 10% down up to $2M.
Can I get a jumbo loan for a leasehold property in Hawaii?
Yes. Leasehold is common in Hawaii, and we work with lenders comfortable financing leasehold condos and homes when the remaining lease term runs well beyond the loan term. We confirm the lease details and any renegotiation dates up front so the financing holds through closing.
Are jumbo rates higher than conforming loans?
Historically yes, but the gap has narrowed significantly. Current jumbo rates often compete closely with conforming rates, especially for well-qualified borrowers with 740+ scores and 20%+ down.
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