VA Remaining Eligibility Calculator — Hawaii 2026
Estimate remaining VA $0-down capacity when entitlement is reduced. Honolulu County’s 2026 single-family conforming limit is $1,249,125. Educational tool by Jay Miller, NMLS #657301. Not a commitment to lend.
How remaining entitlement works
With full entitlement, there is no VA loan limit for a $0-down purchase — you can buy at whatever price a lender will approve. With reduced entitlement (for example, an existing VA loan still outstanding), county conforming limits apply.
Remaining $0-down capacity is estimated as the county conforming limit minus your outstanding VA loan balance. If the purchase price exceeds that capacity, a 25% down payment applies on the difference only.
2026 Hawaii county conforming limits (1-unit)
- Honolulu County (Oahu): $1,249,125
- Maui County: $1,299,500
- Kalawao County: $1,299,500
- Kauai County: $1,007,250
- Hawaii County (Big Island): $862,500
Always confirm current FHFA/VA figures for the county where you are buying. Pair this tool with the Military Buying Power Calculator and the Zero Down in Paradise playbook.