VA home loans · Oahu & licensed states
VA loans in Hawaii
The VA home loan benefit works the same in every state, but Hawaii adds a few twists. Here's what to know before you shop.
Entitlement and loan limits
With full entitlement (you've never used your benefit, or it was restored), VA sets no loan limit. You still need to qualify, and the appraisal has to support the price.
If part of your entitlement is tied to another VA loan, county limits come into play. For 2026 the limit is $1,249,125 in Honolulu, Hawaii and Kauai counties and $1,299,500 in Maui County. See how the math works.
The VA funding fee
The funding fee is a one-time charge paid to VA. Veterans receiving VA disability compensation are exempt, as are active-duty Purple Heart recipients and some surviving spouses. Your Certificate of Eligibility shows your status.
Condos need VA approval
Many Oahu buyers start with a condo. The project must be VA-approved, so check before you offer. Condos on a VA loan.
Termite inspection
Hawaii uses a state wood-destroying insect report (the PC-9). Timing it correctly avoids last-minute delays.
Buying with PCS orders
You can often buy before you arrive. VA generally expects you to move in within about 60 days. PCS guides for Oahu bases.
Sources: U.S. Department of Veterans Affairs (va.gov) and the VA Lender's Handbook. General information only, not a commitment to lend.