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.

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, lenders can gross them up by 25% for qualification purposes — 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.