Free va loan calculator tailored for Hawaii (HI). Calculate instantly with state-specific rates and rules.
VA loans allow eligible veterans and active-duty service members to buy a home in Hawaii with no down payment. On the median Hawaii home of $830,000, that's the full $830,000 financed — no down payment required.
Veterans with full entitlement have no VA loan limit. The conforming limit of $1,089,300 in Hawaii is relevant only for veterans with reduced entitlement. Hawaii qualifies for the maximum high-cost conforming limit of $1,089,300 statewide — the same as Alaska.
Most VA borrowers pay a one-time VA funding fee: 2.15% for first use with no down payment (1.5% with 5%+ down). On a $830,000 loan, the funding fee is approximately $17,845. Veterans with service-connected disabilities are exempt.
VA loans don't change your property tax obligation. Hawaii's effective rate is 0.28%, adding ~$194/month to your VA PITI payment.
Data: Tax Foundation (2024), US Census Bureau ACS 2023, Zillow, ATTOM Data Solutions. Updated 2024–2025. Figures reflect state averages — consult a licensed professional for personalized advice.
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