2026 Conforming Loan Limits in Maui County

Each year the Federal Housing Finance Agency (FHFA) sets the largest loan that Fannie Mae and Freddie Mac will buy, known as the conforming loan limit. Loans at or below the limit usually come with lower rates and easier qualifying than jumbo loans, so the number matters for nearly every financed purchase on Maui.

Hawaii, Alaska, Guam and the U.S. Virgin Islands have special statutory provisions, which is why Maui County's limit sits above the national high-cost ceiling. Limits for two- to four-unit properties are higher; your lender can confirm the exact figures, or you can look up any county on the Fannie Mae loan limit lookup.

What It Means for Maui Buyers

• More buyers qualify for conforming financing. With 20% down, a conforming loan can now cover a purchase of roughly $1.6 million in Maui County.
• Above the limit, you need a jumbo loan. Jumbo loans often require larger down payments, more reserves and stronger credit. Some Hawaii lenders offer competitive jumbo programs, so compare options.
• Condos must also be approved projects. Even a loan under the limit needs the condo project to meet Fannie Mae or Freddie Mac standards. Buildings with critical repairs, low reserves or condo-hotel rental programs may require portfolio financing. See our condo insurance and special assessments guide.

Next Steps

Talk with a local lender early to get pre-approved and confirm which loan type fits your purchase. Visit our preferred lenders page, use the mortgage calculator, or see all our buyer resources. Questions? Call or text The Maui Property Team at (808) 217-8832.

Updated October 2026. Sources: FHFA 2026 conforming loan limit announcement (November 2025); Hoodline, December 2025. Limits are reset each year, typically announced in late November for the following year.