FHA VS Conventional loan programs in Kalaoa, Hawaii County, Hawaii
In 2026, the Conventional loan limit in Kalaoa, within the county of Hawaii, HI, is set at $970,800, while the FHA loan limit is $477,250 for single-family properties.
The Lendersa® Conventional loan calculator is your tool for comparing the optimal current rates for Conventional, FHA, and USDA loans. By using our advanced mortgage calculator, you can assess Conforming Conventional loans alongside USDA, FHA, and VA options, helping you determine which program suits your financial needs in HI.
2026 Loan Limits and Down Payment Requirements in Kalaoa, Hawaii, HI
Loan Type
Loan Limit
Down Payment
Conventional Conforming
$970,800
3%
USDA
$391,000
0%
FHA
$477,250
3.5%
These limits apply to zip codes: 96740
Exploring Conventional and FHA Loan Options in Kalaoa, HI
At Lendersa®, our aim is to quickly secure the best possible Conventional, USDA, or FHA loan, minimizing any stress. Choose from one of three pathways to connect with matching lenders and loan options.
By 1991, a decade after acquiring Kohala Federal Credit Union, we became Hawaii Community Federal Credit Union and soon expanded membership to the entire Hawaii Island. We are exponentially larger than we were in the beginning but we continue to hold true to our fundamental philosophy – a group of people joining together to help each other succeed.
At Island Home Capital, our mission is to provide you with the necessary knowledge to make an informed, economic decision. We are committed to quality customer service - putting the people we serve first. Take advantage of our expertise in the residential lending industry by applying online today. You will find that the skill, professionalism
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.
67-1153 Mamalahoa Hwy, Suite 3, Kamuela, HI, 96743
Lends in Hawaii
eMortgage Hawaii offers the lowest rates and the fastest turn times in Hawaii. Once you provide us with the requested documents, we will have your conditional loan approval within 24 - 48 hours. eMortgage Hawaii's committed to helping you find the right mortgage product for your needs. We understand that every borrower is different,
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
