VA home loans · Oahu & licensed states
PCS to Schofield Barracks
Central Oahu, home to the 25th Infantry Division. A VA home-buying guide from a retired Army Major and VA borrower.
Where families look
- Wahiawa
- Mililani
- Waipio
- Haleiwa and Waialua (North Shore)
- Kapolei and Ewa (for families splitting commutes)
I commanded a company at Schofield, so I know the area from the inside: the H-2 commute, the gate traffic and why many families look at Mililani.
Drive your commute at rush hour before you commit; Oahu traffic on the H-1, H-2 and H-3 changes a lot by time of day.
VA points that matter here
- VA condo approval
- 2026 Honolulu County limit for partial entitlement: $1,249,125. With full entitlement, no VA limit.
- BAH counts as income. Check your rate with the official DoD BAH calculator.
- Funding fee exemption if you receive VA disability compensation or are an active-duty Purple Heart recipient.
Buying before you arrive
Most of the loan can be handled by phone, video and e-signature. Closing documents need a notary; remote or mobile notary options depend on the lender and title company. VA generally expects you to move in within about 60 days of closing, and a spouse can meet occupancy if you're deployed.
Read the VA FAQ or call (808) 425-1719 with your report date.