FHA VS Conventional loan programs in 2026 for Hanapepe, Kauai County, Hawaii
In 2026, the conventional loan limit in Hanapepe, located in the county of Kauai, HI, is $1,089,300. Meanwhile, the FHA limit for a single-family residence is $977,500.
The Lendersa® Conventional loan calculator enables you to compare the best rates for Conventional, FHA, and USDA loans today. Determine the income, credit, reserves, and required documents for qualifying. This sophisticated mortgage tool shows Conforming Conventional, USDA, FHA, and VA loans side by side, aiding in identifying the right program in HI for your specific financial situation.
2026 Loan Limits & Down Payment Requirements in Hanapepe, County of Kauai, HI
Loan Type
Loan Limit
Down Payment
Conventional Conforming
$1,089,300
3%
USDA
$725,000
0%
FHA
$977,500
3.5%
This table is applicable to the following zip codes: 96716
Conventional and FHA Loan Options Available in Hanapepe, HI
At Lendersa®, our aim is to connect you with the most suitable Conventional, USDA, or FHA loan quickly and without hassle. Choose one of three options that align you with matching lenders and loan programs.
In 1947, we started a credit union for employees of the territory of Hawaii and the county of Kaua’i. Our goal was not only to provide county, state, and federal government employees & their families with basic financial needs but also to invest in and grow the quality of life on the island. Over 70 years later we’re still committed to our goal
Our story begins in 1954. Ten hard-working pineapple farmers pooled their resources and did something none of them could have done alone: collected $595 for lending and purchased heavy equipment.
They believed that together they could provide a better life for their families, for their community, and for Kaua‘i. They gathered. And they grew.
On February 8,1938, a Federal Charter was issued to Lihue Federal Credit Union covering the employees of The Lihue Plantation Company, Ltd. and its wholly owned subsidiaries; East Kauai Water Company, Kauai Stores and Waiahi Electric Company (merged with Kauai Electric Company).
In 2007, we changed our name to Garden Island Federal Credit Unio
Mahalo Mortgage is a kama‘aina company that offers a diverse range of loan programs, including government products such as FHA, VA and USDA. These programs provide qualifying individuals lower down payment options as well as increased flexibility in credit and income requirements
Since 2007, Hawaii VA Loans has helped veterans become homeowners by utilizing their VA loan benefits. Hawaii VA Loans has two locations, one in Kapolei and another in Kailua, and our dedicated team of VA Loan Specialists are ready to work with you!
We are residential mortgage lender that specializes in helping Veterans become homeowners.
Ohana Mortgage Solutions was started with the hope of enabling local families to become homeowners. Additionally, we wanted to embody the values of aloha and ʻohana in our business. That’s why we take some of the profits from every loan and partner directly with programs helping Hawaii’s children in the foster care system.
2176 Lauwiliwili Street, Suite 1, Kapolei, HI, 96707
Lends in Hawaii
Living in Hawaii has a very high cost. That’s why High Five Lending wants to help you get the best loan possible for your home. We have the experience and expertise to get you affordable rates at the right place. Life is already complicated, From empty nest moving to military moves.
91-110 Hanua Street, Suite 206, Kapolei, HI, 96707
Lends in Hawaii
Cornerstone Mortgage opened at the start of the mortgage meltdown in 2008 which spurred the worst economic crisis in at least a generation. We started as a one person branch office of a local lender and we have grown to be one of the top producing mortgage bankers in our area. Today we have offices in California, Hawaii and Nevada.
Pearl Hawaii Federal Credit Union (Formerly Pearl Harbor Federal Credit Union; PHFCU) is a not-for-profit, financial cooperative. PHFCU has built a solid foundation to provide affordable financial services, financial products, technical assistance, and educational resources to current members as well as to all who reside on the island of O'ahu.
"In 2006, Ed and Bernie stepped out in faith and started Solid Rock Home Loans, with a vision to bring honesty and excellence to the mortgage lending in Hawaii. In 2019, Solid Rock Home Loans celebrates their 13 year anniversary having the honor to help many families dreams come true through homeownership."
