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

In 2025, 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.

Compare loan offers from 100 different lenders

2025 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, 96745

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.

Lendersa facilitates USDA loan request and matching outcomes


  • Avenue Mortgage, Inc
  • 14241 Firestone Blvd, Suite 110, La Mirada, CA, 90638
  • Avenue Mortgage is a full service mortgage brokerage with offices in California and Oregon. In business since 1999, Avenue Mortgage has helped thousands of families achieve the dream of home ownership. With over $1 billion in funding's, Avenue Mortgage has loan programs available for borrower's with a variety of credit backgrounds.
  • RIPPON CAPITAL, INC.
  • 2901 W Coast Hwy, Suite 200, Newport Beach, CA, 92663
  • Rippon Capital offers a unique, boutique mortgage experience with a customized approach for established professionals on the Southern California Coast. We strategically position our clients to meet their home financing objectives through dedicated expertise, pricing, and products.
  • Resource Financial Mortgage
  • 2901 W. Pacific Coast Highway, Suite 200, Newport Beach, CA, 92663
  • RFM is a full-service mortgage broker in Newport Beach and Orange County where you can get the best rates for a home loan to buy a home or refinance. As a mortgage broker, RFM can shop for the best mortgage rates that suit your needs. We shop at over 20 different lenders, as all may have different guidelines.
  • Funding Concepts Group
  • 2901 West Coast Highway, Suite 200, Newport Beach, CA, 92663
  • Funding Concepts Group we strive to make you a client for life. We want to be your first choice each and every time you need a home loan. We always try to go above and beyond for you so that you will always feel confident referring your family and friends to us for their mortgage financing needs.
  • Diamond Capital Investment
  • 3 Swift Ct, Newport Beach, CA, 92663
  • With over 15 years of experience in all facets of Mortgage Lending, Melissa has knowledge in conventional, non-conventional, government, non-prime, and hard money loans. She understands that every loan is unique and keeps an optimistic mindset. ​ Melissa has an extensive background in helping first time homebuyers
  • Tom Brown Group
  • 2730 S Harbor Boulevard, Suite L, Santa Ana, CA, 92663
  • We take pride in providing you with excellent service and appreciate the opportunity to assist you with your mortgage needs and also We provide the lowest rates for our Veterans, if you are in process with another and your appraisal is done you owe it to yourself to compare pricing. We close loans in as little as 30 days.
  • CdM Lending
  • 3101 W. Pacific Coast Hwy, Suite 150A, Newport Beach, CA, 92663
  • Our all-encompassing approach to lending allows us to immerse ourselves in a multitude of lending situations. This experience and dedication empowers our staff to fulfill our fiduciary duty while adhering to our strict standards of character, respect, and integrity. With CdM Lending and Priority Financial Network as your lender.
  • Legacy Finance and Realty Inc
  • 2901 West Coast Highway, Suite 200, Newport Beach, CA, 92663
  • Legacy Finance and Realty is a full service CA Mortgage and Real Estate Broker. We are proud to provide our clients with a plethora of home loan products as well as real estate sales and purchasing services. Whether you are looking for a loan to purchase or refinance a home, Legacy Finance and Realty will provide all viable options.
  • Crystal Lending Group Inc
  • 2901 West Coast Hwy, Suite 200, Newport Beach, CA, 92663
  • Crystal Lending Group Inc., a California based Real Estate Brokerage company with over 14 years of experience in the industry. Based in Newport Beach, California, we are here to serve our local communities along with every city in our beautiful state of California. The choice is clear when choosing Crystal Lending Group