$1,299,500 conforming loan limit 2026
The published one-unit conforming loan limit for 2026 is $1,299,500 in 2 counties, all in Hawaii.
This is Hawaii's own ceiling, and it is higher than the $1,249,125 ceiling that applies everywhere else. Only the counties listed below use it.
These counties carry one number because the limit is set for the metropolitan or micropolitan area as a whole, and they all belong to the same one.
Limits by property type
| Property type | 2026 limit | Multiple of the one-unit figure |
|---|---|---|
| 1-unit | $1,299,500 | 1.0000× |
| 2-unit | $1,663,600 | 1.2802× |
| 3-unit | $2,010,950 | 1.5475× |
| 4-unit | $2,499,100 | 1.9231× |
The two-, three- and four-unit limits are set as fixed multiples of the one-unit limit, so they move automatically whenever the one-unit figure moves.
What the limit buys and costs
Maximum purchase price at each down payment
| Down payment | Maximum purchase price |
|---|---|
| 5% down | $1,367,895 |
| 10% down | $1,443,889 |
| 15% down | $1,528,824 |
| 20% down | $1,624,375 |
| 25% down | $1,732,667 |
Monthly principal and interest on a $1,299,500 loan
| Rate | Monthly P&I, 30 yr | Monthly P&I, 15 yr |
|---|---|---|
| 6.0% fixed | $7,791 | $10,966 |
| 6.5% fixed | $8,214 | $11,320 |
| 7.0% fixed | $8,646 | $11,680 |
Principal and interest only, on a loan of exactly $1,299,500 — the largest conventional loan allowed in these areas before the loan becomes jumbo. Taxes, insurance and mortgage insurance are excluded.
The 2 counties on this figure
| County | State or territory | 2025 1-unit | 2024 1-unit | Change |
|---|---|---|---|---|
| Kalawao County | Hawaii | $1,209,750 | $1,149,825 | +7.4% |
| Maui County | Hawaii | $1,209,750 | $1,149,825 | +7.4% |
Every county listed uses $1,299,500 for a one-unit property. Click a county to price a specific loan in the calculator.
Where this figure applies
| State or territory | Counties on $1,299,500 | Counties in total | State page |
|---|---|---|---|
| Hawaii | 2 | 5 | Hawaii → |
Neighbouring limits
- Lower: $1,249,125 (75 counties)
Frequently asked
Why is the conforming loan limit $1,299,500 here?
Hawaii is subject to a higher ceiling than the rest of the country; $1,299,500 is that ceiling for 2026.
How many counties share it?
2 counties use $1,299,500 for a one-unit property in 2026.
What is a jumbo loan on this figure?
Any mortgage above $1,299,500 for a one-unit property.
What is the four-unit limit?
$2,499,100 for 2026, or 1.9231 times the one-unit figure.