Avg Home Value
$860,000
Lending Limit
$1,209,750
Hawaii Housing Market Analysis
Hawaii is considered a high-value market. With average home values exceeding $860,000, many homeowners here find that standard HECM loans cap their proceeds unfairly. If your home is worth over $1.2M, you are likely a candidate for a Jumbo Reverse Mortgage, which allows for loan amounts up to $4 million.
Loan Limits in Hawaii
For 2026, the federal lending limit is $1,209,750.
Since the median home value in Hawaii is below this cap, your loan amount will be determined strictly by your age and current interest rates, not by the lending cap.
Specific Laws for Hawaii
Hawaii has specific regulations that go beyond federal HUD guidelines:
Strict condo eligibility due to hurricane/lava insurance requirements.
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