You can use 16GB on Windows 10 Home.

No. Windows 10 Home (64‑bit) supports up to 128GB of RAM. 16GB is well within that limit.

The old 4GB cap only applies to the 32‑bit version, which nobody should be running on a modern machine anyway. If you’ve got a 64‑bit processor—and you almost certainly do—go ahead and install that 16GB kit.

Just double‑check whether your motherboard actually supports 16GB. That’s the real bottleneck, not Windows.