Aloha, military service members! Here at Hawaii VA Loans, one of our goals is to be your go-to, trustworthy resource for information on home buying and the VA loan process. In order for us to achieve that, we think it is important to break it down for you. Not in dance moves, but in data, BAH style. We’ll leave the break dancing to you – for after you sign those closing papers.

What can your BAH buy?

When the views of a home for sale are described as “Coastline, Diamond Head, Garden, Golf Course, Mountain, Ocean, and Sunrise,” there’s no doubt that you’ve found something special. This Wai Kalo’i home in Makakilo hillside brings all of those views…and more.

Located in Kapolei, a growing, vibrant city well-known for many family and sporting attractions like the Ko Olina Resort and the Disney Aulani Resort, this home is in close proximity to U.S. Coast Guard Air Station Barber’s Point. The commute to either Schofield Barracks and Joint Base Pearl Harbor-Hickam would take approximately thirty minutes, making the community of Kapolei a great location for many active duty service members stationed on Oahu.

The BAH Breakdown

Where: 92-1479 Makakilo Drive, Kapolei, HI 96707

Bases nearby: U.S. Coast Guard Air Station Barber’s Point – 8 miles; Schofield Barracks – 16 miles; Joint Base Pearl Harbor/Hickam – 18.7 miles

Property type: Detached Single Family

Asking price: $644,750

Bedrooms: 4

Bathrooms: 2.5

Square footage: 1,721

Schools: Barber’s Point Elementary School, Kapolei Middle School, Kapolei High School


  • Interest rate: 4.125%
  • APR: 4.333%


  • Principal and Interest (includes VA funding fee of 2.15%) = $3,191.96
  • Insurance = $125
  • Property Tax = $156
  • HOA Fee = $86

Total estimated monthly payment = $3,558.96

The new 2014 BAH Rates support the ability for many active duty ranks to afford this property.  For E-9, W-3 to W-5, O-3E, and O-3 and above, this property will be covered by your Base Allowance for Housing. The BAH rates for ranks of E-8 and O-2E fall just under this property’s total monthly payment, and could still be affordable.

Do you like what you see? For more information on a property like this one, contact Kahala Associates, Inc. at (808) 735-7500.

Would you like to find out if you qualify for this purchase price? Fill out this online application or contact VA Loan Specialist, Brenda Carr at (808) 792-4247.