FHA VS Conventional loan programs in Kaneohe, Honolulu County, Hawaii

In 2026, the loan limits in Kaneohe, located in the county of Honolulu, HI, are $1,089,300 for conventional loans and $770,500 for a single-family FHA loan.

Lendersa® offers a Conventional loan calculator for comparing current Conventional, FHA, and USDA rates, determining what income, credit, reserves, and documents are required to qualify. Our sophisticated mortgage calculator allows you to see Conforming Conventional, USDA, FHA, and VA loans compared side by side — aiding in selecting the most suitable program in HI for your financial needs.

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2026 Loan Limits and Down Payment Requirements in Kaneohe, County of Honolulu, HI

Loan Type Loan Limit Down Payment
Conventional Conforming $1,089,300 3%
USDA $725,000 0%
FHA $770,500 3.5%

The above table is applicable to ZIP codes: 96744

Loan Options for Conventional and FHA in Kaneohe, HI

Lendersa® aims to deliver the optimal Conventional, USDA, or FHA loan efficiently and with ease. Choose from three options to initiate your connection with matching lenders and programs.

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Kaneohe Lenders

  • Pacific Rim Mortgage
  • 98-151 Pali Momi St, Suite C2A, Aiea, HI, 96701
  • Lends in Hawaii
  • Pacific Rim Mortgage LLC has been around since 2005. We specialize in FHA loans, VA loans, USDA loans, pre-approvals, purchases, refinances, debt consolidation, and credit repair. Our team averages over 12 years of mortgage lending experience. We have closed many loans, won many awards, and worked really hard.

  • HG Mortgage
  • 354 Uluniu Street, Suite 402, Kailua, HI, 96734
  • Lends in Hawaii
  • The HG Mortgage team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.

  • Imperial Mortgage LLC
  • 1005 Keolu Drive, Kailua, HI, 96734
  • Lends in Hawaii
  • Our mission is to serve our customers with honesty integrity and competence. We pride ourselves in providing superior customer service and creating satisfied customers. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs based on their individual circumstances.

  • Hawaiian Financial Federal Credit Union
  • 1138 N King Street, Honolulu, HI, 96817
  • Lends in Hawaii
  • Hawaiian Financial Federal Credit Union formed out of an idea from Mutual Telephone Company employees. On October 22, 1936, 65 employees signed on as charter members with assets totaling $2,517, calling themselves Mutelco Oahu Employees Federal Credit Union.

    In the aftermath of the S&L crisis of the 1980s, many people are turning a wary

  • Hawaii National Bank
  • 45 N King St, Honolulu, HI, 96817
  • Lends in Hawaii
  • Hawaii National Bank opened its doors on Sept. 19, 1960, to the sound of 10, 000 firecrackers in Honolulu’s Chinatown neighborhood. By the day’s end, the bank had taken in $6.25 million in deposits, a national record for any first-day deposits for a new bank. From this auspicious start, Hawaii National Bank grew.

  • American Savings Bank Hawaii
  • 300 N Beretania St, Honolulu, HI, 96817
  • Lends in Hawaii
  • American Savings Bank Hawaii is a bank with operations in one state. American Savings Bank Hawaii offers numerous mortgage programs including conventional, jumbo, non-owner occupied, FHA, VA, USDA, HomeReady and construction mortgages American Savings Bank is a great bank making people’s dreams possible offering a range of financial services.

  • HawaiiUSA Federal Credit Union
  • 1226 College Walk, Honolulu, HI, 96817
  • Lends in Hawaii
  • we originally opened as a credit union for educators. Though times have changed and we’ve grown into so much more, we never lost sight of who we serve. That’s why we partnered with 122 schools and organizations across the state of Hawai‘i in 2020. In addition, we awarded 21 scholarships and granted 41 career enhancement stipends to educators.

  • Honolulu Fire Department Federal Credit Union
  • 1200 N. School Street, Honolulu, HI, 96817
  • Lends in Hawaii
  • As a federally-chartered, federally-insured financial cooperative, Honolulu Fire Department Federal Credit Union is a member-owned and member-governed financial institution like the other 7, 000 credit unions across the country. With our focus on firefighters throughout Hawaii, we truly serve to be Your Lifeline for a Lifetime!

  • Millennium Lending LLC
  • 3455 Kaohinani Drive, Honolulu, HI, 96817
  • Lends in Hawaii
  • Gunner Schull is the owner of the Mortage company With 25 years in the real estate industry as a lawyer and lender I have acquired a unique expertise to assist my clients with all their real estate financing transactions. I opened Millennium Lending in 1999 and have existed entirely from referral and repeat customers.

  • HHOC Mortgage
  • 1259 Aala St, Suite 201, Honolulu, HI, 96817
  • Lends in Hawaii
  • HHOC Mortgage is dedicated to offering affordable mortgage loans to Hawaii’s homebuyers that are competitively priced. HHOC Mortgage primarily serves low and moderate-income target markets and communities. HHOC Mortgage provides financial support to Hawaii HomeOwnership Center to enable continuance of its mission to provide prospective