FHA VS Conventional loan programs in 2025 for 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.
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.
Blink Lending offers the same Conventional & VA Loans the big banks do, along with Private Money Loans for Real Estate Investors. When considering purchasing a home, you’ll likely have questions. Whether about which loan type is best for you, what is PMI and when is it required, what is an appraisal and why is it necessary
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