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

For 2025, the ceiling for Conventional loans in Kapaa, located in the county of Kauai, HI, is $1,089,300, whereas the FHA cap for a single-family residence is $977,500.

Leverage the Lendersa® Conventional loan calculator to evaluate current best rates among Conventional, FHA, and USDA loans. It also helps determine the required income, credit score, reserves, and documentation for qualification. Our advanced mortgage tool enables you to see side-by-side comparisons of Conforming Conventional, USDA, FHA, and VA loans to find the best fit for your financial situation in HI.

View loan options from 100 lenders

2025 Loan Limits and Down Payments in Kapaa, Kauai, HI

Loan Type Loan Ceiling Minimum Down Payment
Conventional Conforming $1,089,300 3%
USDA $725,000 0%
FHA $977,500 3.5%

Relevant for the zip codes: 96746

Options for Conventional and FHA Loans in Kapaa, HI

The aim of Lendersa® is to swiftly provide you with ideal Conventional, USDA, or FHA loan options without hassle. Begin with one of three initial approaches to connect with matching lenders and programs.

Loan request and results by Lendersa


  • Iron Financial Inc
  • 215 Riverside Avenue, Suite 201, Newport Beach, CA, 92663
  • Iron Financial, Inc. headquartered in Newport Beach, CA is a respected, aggressive and professional banker within the mortgage industry. Whether you are a first time home buyer, looking to refinance or searching for details on a "short sale", Iron Financial, Inc. can answer your questions, accommodate your needs and give you the best program.
  • Clear View Mortgage
  • 3416 Via Lido, Suite E, Newport Beach, CA, 92663
  • CVM knows the complexities and moving parts that come with each real estate transaction. The Clear View Mortgage team has put the right people in place in help make financing stress free and efficient. Real Estate is a hands on service/experience. Bill and his team are dedicated to making sure that each and every client.
  • The Carver Group Inc.
  • 424 32nd Street, Unit D, Newport Beach, CA, 92663
  • The Carver Group, Inc. is built on a foundation of integrity and trust. We are committed to providing you a high level of customer service as well as a competitive mortgage loan product that is structured for your individual need. We make the process of securing a mortgage straight forward and we guide you through the entire loan process.
  • Bayside Funding
  • 3416 Via Oporto, Suite 301, Newport Beach, CA, 92663
  • Blackhawk Capital Group is an independent, licensed, full-service Real Estate Brokerage with Residential and Commercial acquisition funding facilities. Since 2005, Blackhawk Capital Group has served as a lead underwriter of both Commercial and Residential Real Estate backed transactions.
  • Southern California Mortgage
  • 231 Lugonia Street, Newport Beach, CA, 92663
  • Southern California Mortgage, where we specialize in residential mortgages. At Southern California Mortgage, we will find a loan that fits each borrower. Unlike big banks that have "order takers" helping you with your loan, we have highly skilled loan consultants. Our consultants know what it takes to get through underwriting quickly.
  • Emery Financial, Inc.
  • 625 Kings Road, Suite 850, Newport Beach, CA, 92663
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • MCR Financial Services
  • 190 Sierra Ct, Suite B102, Palmdale, CA, 93550
  • M.C.R. Financial Services, Inc, a Mortgage Broker Company that focus on Real Estate Home Loans. assisting clients with home purchase and refinance home loans. M.C.R. Financial Services, Inc. believes in making sure that the client’s needs come first to ensure that each client will receive the ultimate customer service experience.
  • 203K Mortgage Corporation
  • 40015 Sierra Highway, Suite B-275, Palmdale, CA, 93550
  • To serve our customers with honesty, integrity, and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Foundation Financial Consultants INC
  • 190 Sierra Ct, Unit A6, Palmdale, CA, 93550
  • At Foundation FInancial Consultants, INC.. We are a full-service mortgage company based in Palmdale, CA. We specialize in FHA, Conventional, VA Mortgage in Palmdale. We also serve the surrounding cities in Los Angeles County. Whether you are buying a home or refinancing in zip code 93550, we can help you realize your dream of home ownership
  • Financial Independence Mortgage
  • 536 E Palmdale Blvd, Palmdale, CA, 93550
  • Financial Independence Mortgage is a California Mortgage Brokerage specializing in FHA, VA, USDA, FannieMae & Freddie Mac Home Loans. Dean Henderson has been a full time mortgage broker since 1988. He has helped thousands of families obtain home loans, mostly in the Antelope Valley.