Your VA loan in Hawaii.
One of only a few states with statewide high-cost VA loan limits.
Where Hawaii veterans are buying.
With the $0-down VA benefit, a typical Hawaii buyer in the $892,000 range can move in with only closing costs and prepaids — no down payment, no monthly PMI, and the funding fee financeable into the loan.
High-cost counties in Hawaii may exceed the $1,209,750 baseline. Your full VA entitlement means no county-line surprises: we run the math for your specific address before you write the offer.
Widows and widowers of HI veterans qualify too.
An unremarried surviving spouse of a Hawaii veteran who died in service, from a service-connected disability, or who is receiving VA Dependency and Indemnity Compensation (DIC) qualifies for the full VA home loan — zero down, no PMI, and a 100% funding-fee waiver. Two statutory exceptions preserve eligibility after remarriage (age 57+ on/after Dec 16, 2003, or a terminated remarriage).
Nationally, roughly 600,000 wartime surviving spouses are alive today, and Hawaii's share tracks its veteran population of 108,000. Almost none are being told the benefit exists. We pull the Certificate of Eligibility (VA Form 26-1817) directly for HI surviving spouses through the Atlanta Regional Loan Center.