FHA Reverse Mortgage Lending Limit in Hawaii (2026)

The FHA lending limit for reverse mortgages (HECMs) is currently $1,149,825. If a home is worth more than this amount, the reverse mortgage calculation will generally use this limit instead of the full property value.

Because Hawaii property values are among the highest in the United States, many homes exceed the FHA lending limit.

For example:

• Home value: $1,600,000
• FHA reverse mortgage limit: $1,149,825

The reverse mortgage calculation would typically be based on $1,149,825 rather than the full $1.6M value.

This can reduce the available borrowing amount compared with what homeowners might expect.

Some homeowners with higher-value properties explore proprietary (jumbo) reverse mortgages.

These loans:

• Are not FHA-insured
• May allow higher home values to be used
• Often have different qualification rules

However, they may also lack some of the protections included with FHA HECM loans.

Is the FHA reverse mortgage limit the same in every state?

Yes. The FHA HECM lending limit is set nationally, meaning it is the same in Hawaii as in the rest of the United States.

Does a higher home value increase reverse mortgage proceeds?

Yes, but only up to the FHA lending limit. Homes valued above that threshold may not increase borrowing capacity under the HECM program.

How often does the FHA lending limit change?

The FHA reviews lending limits annually and may adjust them based on national housing market trends.

Can I still get a reverse mortgage if my home is worth more than the FHA limit?

Yes. You can still obtain a HECM reverse mortgage, but the calculation will use the FHA limit rather than the full home value.

The FHA lending limit is just one of three factors that determine how much you can receive from a reverse mortgage.

The others include:

• Age of the youngest borrower
• Current interest rates

Together, these determine the loan’s principal limit.

If you own a home in Hawaii and want to see how the FHA lending limit affects your potential reverse mortgage proceeds, you can request a free, no-obligation personalized estimate.

We’ll help you:

• Calculate potential eligibility
• Compare payout options
• Understand how FHA limits apply to your property
• Evaluate alternatives if your home exceeds the limit

This conversation is purely educational — no pressure and no commitment.

Helping Hawaii seniors make informed decisions about home equity is our priority.

Includes licensed insights from Percy Ihara (NMLS #582944).