Explore the differences! FHA VS Conventional loan programs in Hilo, Hawaii County, Hawaii

In 2025, the Conventional loan limit for Hilo, Hawaii County, HI, is $1,089,300, while the FHA limit for a single-family home is $517,500.

Utilize the Lendersa® Conventional loan calculator to examine today's best rates for Conventional, FHA, and USDA loans. Determine the income, credit, reserves, and documentation needed to qualify. Our advanced mortgage calculator allows side-by-side comparisons of Conforming Conventional, USDA, FHA, and VA loans, guiding you in selecting the best program in HI for your financial needs.

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2025 Loan Limits and Down Payment Requirements in Hilo, Hawaii County, HI

Loan Type Limit Down Payment
Conventional Conforming $1,089,300 3%
USDA $600,000 0%
FHA $517,500 3.5%

This comparison table applies to these zip codes: 96720

Conventional and FHA Loan Options in Hilo, HI

The aim of Lendersa® is to provide you with the best possible Conventional, USDA, or FHA loan quickly and without hassle. Choose from three options to connect with matching lenders and loan programs.

Results for Lendersa USDA loan requests


  • Connexus Credit Union
  • 1 Corporate Drive, Suite 700, Wausau, WI, 54401
  • Serving members across all 50 states, Connexus Credit Union is a member-focused cooperative that is proud to return profits to member-owners through high yields for checking accounts and deposit products, as well as competitive rates for personal, home, and auto loans. Members benefit from a multi-channel service
  • Peoples State Bank
  • 1905 Stewart Ave, Wausau, WI, 54401
  • Peoples State Bank opened its doors in 1962 as an independent bank dedicated to customer satisfaction. Quality service was the vision of the 15 original founders. All types of businesses, small and large were attracted to this type of bank where profits were reinvested in the community it served.
  • IncredibleBank
  • 327 N 17th Ave, Wausau, WI, 54401
  • Our mission is to grow our customers' entire financial relationship, and we believe that starts by providing incredible customer experiences in every aspect of your Banking relationship. Whether you are a young family looking for your first home or an experienced business owner expanding operations.
  • The First National Bank of Raymond
  • 403 East Broad, Raymond, IL, 62560
  • Our success is no secret. Since our founding in 1903, the First National Bank of Raymond has dedicated itself to our customers and communities. Below you will find important milestones in our history that have led to our hundreds of years of total combined experience and commitment to excellence in all five of our locations.
  • Solutions Bank
  • 200 Main Street, Forreston, IL, 61030
  • Our vision is to enhance the quality of life for our customers, staff, and community through innovative and personal experiences that build deep, lifelong relationships. Our mission is to inspire and implement solutions that allow our customers to focus less on banking transactions and more on what matters most to them.
  • Ferguson Federal Credit Union
  • 1026 E Broad Street, Monticello, MS, 39654
  • Chartered in 1968 at what was formerly St. Regis (now Georgia Pacific), and operating in a small vacant office, organized as a cooperative to offer better financial services to those employees of the mill. As we grew, we established a stand-alone branch right outside of the mill and were able to offer services to others in the community
  • Bank of Bartlett
  • 678 N Germantown Parkway, Cordova, TN, 38018
  • "Bartlett Mortgage, Inc., will help. The Bartlett Mortgage team loves helping individuals and families throughout greater Memphis hang their hat in their new home. We’re one of the largest mortgage companies in the greater Memphis area. The number of people we’ve helped obtain or build their homes is something we’re incredibly proud of.
  • Community Mortgage
  • 142 Timber Creek Drive, Cordova, TN, 38018
  • Community Mortgage; our name says it all. Mortgages are all we do, and we are experts at it. We're committed to serving you with on time closing, local underwriting/decision making, expert support personnel and exceptional communication. We know your neighborhoods, understand your needs and we're here for you, every step of the way.
  • Healthnet Federal Credit Union
  • 1591 Chickering Lane, Cordova, TN, 38016
  • Our mission is to financially counsel and serve members of the health care community with a full range of quality financial services which are competitive, and promote the financial well-being of our membership and the overall safety and soundness of our organization. HealthNet Federal Credit Union was founded in 1955 to serve the financial needs.
  • Source Mortgage and Funding
  • 4812 Wemberley Drive, Memphis, TN, 38125
  • Our mission is simple and clear: “Approach opportunity with humility, communicate honestly, and serve all with integrity!” Our consultation is completely free, and once we review your information, we will provide you with a no strings attached, financing proposal if we can help. Source Mortgage & Funding, Inc, a Tennessee based mortgage broker.
  • State Bank of Cross Plains
  • 108 North Main Street, Verona, WI, 53593
  • State Bank of Cross Plains is the largest independent community bank serving Dane, Green, and Rock County, Wisconsin. We offer a full range of personal and business financial services, including consumer, real estate, and business lending, as well as wealth management and financial advisory services.
  • Stampfli Mortgage, LLC
  • 303 S. Main Street, Verona, WI, 53593
  • "Stampfli Mortgage specializes in Wisconsin FHA, VA and USDA mortgages, as well as reverse, conventional and jumbo home loans for the state of WI. The ""Stampfli Mortgage Difference"" is all about great products, integrity and expertise. Our expert Mortgage Advisors work closely with multiple wholesale lenders."