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Hawaii VA Loans

Deciding to purchase a house in Hawaii is a huge financial decision, but with the unique benefits provided by the VA loan, your dream of homeownership just got that much easier.

Published on January 7, 2021

With the average listing price of a home in Hawaii is about $1,229,043 the VA loan’s signature $0-money-down benefit is a considerable advantage for Hawaii homebuyers.

See also: VA Loan Options for Other States

How to get a VA Loan in Hawaii

VA loans are made by private lenders and guaranteed by the Department of Veterans Affairs. Because private lenders make the loans and not the VA, you need to find a lender licensed in the state you plan to purchase or refinance.

For example, if you're purchasing a home in Honolulu, HI, you'll need to find a lender licensed in Hawaii to do the loan.

Our Lender
Veterans United Home Loans is a VA approved lender; Mortgage Research Center, LLC – NMLS #1907 ( Not affiliated with the Dept. of Veterans Affairs or any government agency. Not available in NV or NY. 1400 Veterans United Dr., Columbia, MO 65203. Equal Housing Lender

Other Considerations for Getting a VA Loan in Hawaii

VA borrowers in Hawaii should also consider the cost and impact of VA loan limits and property taxes when making their home purchase.

Hawaii VA Loan Limits

As of January 1, 2020, VA borrowers in Hawaii with their full VA loan entitlement are not restricted by VA loan limits. This means you can borrow as much as a lender is willing to lend without needing a down payment.

However, veterans without their full VA loan entitlement are still bound to Hawaii’s VA loan limits.

Hawaii VA Loan Limits by County

County Loan Limit
Hawaii $822,375
Honolulu $822,375
Kalawao $822,375
Kauai $822,375
Maui $822,375

Property Taxes in Hawaii

Another consideration for VA buyers in Hawaii is property taxes. For certain VA buyers, there are exemptions.

You may be eligible for a property tax exemption in Hawaii if you meet one of the following conditions:

  • If you are a 100% disabled veteran as a result of service, you may receive a property tax exemption of $60,000 or more for your primary residence depending on the index rate set by the U.S. Secretary of Veterans Affairs.

If you are required to pay property tax in Hawaii, the American Community Survey by the U.S. Census Bureau estimates you may pay the following in each county:

County Property Tax Rate
Hawaii 0.28%
Honolulu 0.29%
Kauai 0.25%
Maui 0.19%

How VA Loans Work in Hawaii

View the graphic below to learn more about how VA loans work in Hawaii.

How Hawaii VA Loans work How Hawaii VA Loans work How Hawaii VA Loans work