VA loans in Kailua.
This page covers Kailua on Oʻahu, not Kailua-Kona on the Island of Hawaiʻi. The property tax and permit services below are City and County of Honolulu services. The FHFA figure is the Honolulu County value.
Bolt Home Loans LLC is not currently licensed to originate mortgage loans in this state. This page is provided for educational purposes only. Licensing status can change — verify current authority on NMLS Consumer Access.
Bolt Home Loans LLC cannot quote, originate, or accept a mortgage application in Hawaii. Verify current authority on NMLS Consumer Access.
Honolulu County reference value. County reference, not an address-based lookup. Confirm the county of the property before using this value; city and metro boundaries can cross counties.
Source: FHFA Full County Loan Limit List for 2026 (HERA-based, final). One-unit limit; applies to mortgages acquired in calendar year 2026. Source checked 2026-09-16. · Honolulu County (FIPS 15003)
County reference, not an address-based lookup. Confirm the county of the property before using this value; city and metro boundaries can cross counties. Look the property's county up at FHFA.
What the county figure means here.
A borrower with full VA entitlement does not have a VA loan limit, subject to lender approval, ability to repay, and the appraised value or purchase price. The FHFA one-unit county conforming loan limit matters primarily when calculating remaining bonus entitlement for a borrower who does not have full entitlement, and it may affect whether a down payment is required.
Honolulu County carries a $1,249,125 one-unit conforming loan limit value for 2026, and that is the county figure we reference for Kailua. County reference, not an address-based lookup. Confirm the county of the property before using this value; city and metro boundaries can cross counties. Whichever county your property is in, the value is used in remaining-entitlement calculations — including on a 2–4 unit property — and is not a cap on what a fully-entitled buyer can finance.
Planning around BAH? Rates vary by pay grade, dependency status, and ZIP-based Military Housing Area — verify yours on the official DoD BAH calculator.
This site does not publish current rates or APRs. Your rate and terms depend on your credit profile, income and assets, the property, market conditions, lock timing, points or lender credits, underwriting, and final lender approval. Request a personalized quote from Bolt Home Loans LLC.
Estimate a payment with your own rate assumptionHonolulu totally disabled veterans exemption: file by June 30 or December 31
The City and County of Honolulu's Real Property Assessment Division says a totally disabled veteran whose injuries were sustained on active duty may have their home exempted from real property taxes, except for the minimum tax, under Revised Ordinances of Honolulu 8-10.5. Veterans file claim form E-8-10.5 with a physician's certificate of disability, online or by submitting the form.
The exemption starts with the next tax payment date if the claim is filed by June 30 for the first payment or December 31 for the second. It continues while the veteran remains totally disabled, or the widow or widower remains unmarried. Practical step: file after closing in Kailua. A continuance form, E-8-10.5A, is also posted.
Honolulu DPP permit search: records before 1972 are not online
The City and County of Honolulu Department of Planning and Permitting's building permit search finds permits by application or permit number, address, Tax Map Key (TMK) or date range. The legacy system holds data through July 28, 2025, and newer applications are in HNL Build while historical data is being migrated.
Permits issued before January 1972 are not available online. The department says that information can be obtained from its Data Access and Imaging Branch on the first floor of the Fasi Municipal Building. Practical step: search a Kailua home by TMK in both systems, and request pre-1972 records in person for older homes. DPP says the quickest search uses the application or permit number.
- FHFA — Conforming loan limit values
- City and County of Honolulu Real Property Assessment — Totally Disabled Veterans
- City and County of Honolulu DPP — Building Permit Search
- VA — Home loan entitlement and limits
Sources checked 2026-09-24. Educational information only, not legal, tax or underwriting advice.
VA loan programs explained.
$0 down in Kailua. No PMI.
Lower your rate. Minimal paperwork.
Up to 100% LTV — conventional caps at 80%.
$0 down above conforming.
Finance repairs into your purchase.
Roll energy upgrades into the loan.
Widows and widowers of HI veterans qualify.
Zero down, no PMI, and a 100% funding-fee waiver on a home in Kailua, subject to eligibility verification and Certificate of Eligibility issuance.
Surviving spouse guideDisabled veteran? Stack the SAH grant on your Kailua purchase.
Up to $126,526 in FY 2026 toward a VA-approved plan to acquire, construct, or adapt a suitable home. VA approves eligibility and use; the grant is separate from your VA home loan.
SAH grant guideVA loans in Kailua — answered.
FHFA sets conforming loan limit values by county, not by city, and there is no single published figure for a city as such. The county we reference for Kailua is Honolulu County (FIPS 15003), whose official 2026 one-unit value is $1,249,125 per the FHFA Full County Loan Limit List. County reference, not an address-based lookup. Confirm the county of the property before using this value; city and metro boundaries can cross counties. The figure only matters for remaining-entitlement calculations — with full entitlement there is no VA loan limit, subject to lender approval, ability to repay and appraised value.
BAH varies by pay grade, dependency status, and ZIP-based Military Housing Area, and DoD updates rates annually. Check your exact rate on the official DoD BAH calculator. Lenders may count BAH as qualifying income, subject to underwriting.
A VA-eligible borrower with full entitlement may be able to pursue a primary-residence purchase in Kailua with no down payment and no monthly PMI. Eligibility, credit, income, the VA appraisal, and final lender approval all apply, and closing costs and prepaids are still due.
An unremarried surviving spouse of a veteran who died in service or from a service-connected disability may qualify for the full VA benefit in Kailua — zero down, no PMI, and a 100% funding-fee waiver, subject to eligibility verification.
All of Hawaii.
Educational guides and 2026 FHFA conforming limit values.