FHA VS Conventional loan in Hilo, Hawaii County, Hawaii
In 2026, 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.
2026 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.
Our Credit Union started with very humble beginnings; a group of nine individuals came together to meet one simple need: making credit available to those with small means. Over eighty years later, HFS still holds onto its same sense of 'ohana with a deep desire to help those in our community to succeed and grow.
CU Hawaii, a federal credit union serving Hawai`i Island. We’re passionate about seeing our members succeed. The spirit of Hawai`i Island is the spirit of possibility. We see the potential in people, businesses and the community and get involved to help turn those possibilities into realities.
In 1936, a group of teachers formed the Big Island Teachers Federal Credit Union. It was the first chartered credit union in the State of Hawaii. In January of 1973, our name was changed to the Big Island Educational Employees Federal Credit Union. Later that year, the word “Employees” was eliminated
Family Mortgage Company of Hawaii, Inc.: Donna Dodd
762 Kanoelehua Ave, Suite C, Hilo, HI, 96720
Lends in Hawaii
Family Mortgage Purchasing or refinancing a house can be a huge undertaking. You can rely on us to lead you to the loan program that's perfect for you. Our team can help you with a myriade of specialty loan programs including Conventional, 100% USDA financing, VA Loans and FHA programs. For assistance in finding the perfect loan program for you
Local, family-owned mortgage broker company located in Hilo, Hawaii with over 75 years of combined experience. Open since 2003, Island Home Loans has been chosen as 'Best of East Hawaii' Mortgage Company six years and running! Come and see us or give us a call to see what we can do to assist you or your family to purchase or refinance a home.
At Finance Integrity in Hilo is to serve our East Hawaii customers with honesty, integrity and competence. Our only goal is to provide home loans and mortages to Big Island clients while providing them with the lowest interest rates and closing costs possible. We pledge to help borrowers overcome roadblocks that can arise while securing a loan
Karen Kline Home Loans is committed to finding you the right mortgage product for your needs. I understand that every borrower is different, and I offer a variety of products to meet your individual requirements. I make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools that enable you.
We offer a wide variety of loan programs that will suit your financing needs for properties within our State of Hawaii. As a mortgage broker backed by established Local and Mainland Lenders we have the ability to offer you the best program at the most competitive rate on everything from vacant land to multi-million dollars estates
"Onomea Federal Credit Union has been open since 1939. The credit union has assets totaling $22.25 Million and provides banking services to more than 2,000 members.
The credit union is a community-based financial institution. People living, working, or worshipping in the credit union's geographic area can become a member"
Hawaii First FCU has been serving our community for 60 years! We serve members island-wide with branches located in Kamuela and Hilo. Our mission statement is “Empowering Our Community by Serving Hawaii First!” and we strive to provide exceptional financial and empowerment services to meet the needs of our members and our community.
