Military Buying Power Calculator — Hawaii VA Loan Home Purchase Estimator
Estimate your total qualifying income and home purchase power as a Hawaii-based military service member. Uses 2026 base pay, BAH (Honolulu County), BAS, and COLA rates with VA loan qualification standards.
Ask your AI assistant for VA purchase power by rank
How Military Income Qualifies
VA lenders count multiple income sources for qualification: base pay, BAH (Basic Allowance for Housing), BAS (Basic Allowance for Subsistence), COLA, flight pay, hazardous duty pay, and more. Since BAH and BAS are tax-free, many lenders gross them up by up to 25% for qualification (lender policy, not a VA rule), significantly increasing your buying power.
For Honolulu County in 2026, BAH with dependents ranges from $3,663/month (E-5) to $5,001/month (O-6). Combined with base pay and the 25% gross-up, most military families qualify for more home than they expect.
Estimates are for education only. They are not a loan offer or a commitment to lend. Rates are examples, not quotes. Verify any scenario with a licensed loan officer. Jay Miller, Sales Manager and Certified Mortgage Advisor, NMLS #657301. CMG Home Loans Branch NMLS #2475890, 500 Ala Moana Blvd, Suite 5-325, Honolulu, HI 96813. CMG Mortgage, Inc. NMLS #1820. Equal Housing Opportunity.