FHA VS Conventional loan programs in Lahaina, Maui County, Hawaii
For the year 2026, the maximum allowed for a Conventional loan in Lahaina, located within Maui county, HI, is $1,089,300. Meanwhile, the FHA loan limit is $977,500 for single-family residences.
The Lendersa® Conventional loan calculator can be used to contrast the best current rates for Conventional, FHA, and USDA loans. Assess requirements like income, credit, and documentation needed to qualify. Our advanced mortgage comparison tool displays Conforming, USDA, FHA, and VA loans, side by side, to help you choose the best option in HI for your personal situation.
2026 Loan Limits & Down Payment Requirements in Lahaina, Maui, HI
Loan Type
Maximum Loan
Down Payment
Conventional Conforming
$1,089,300
3%
USDA
$725,000
0%
FHA
$977,500
3.5%
The table data applies to zip codes: 96761
Exploring Conventional and FHA Loan Possibilities in Lahaina, HI
Lendersa® is committed to securing the most advantageous Conventional, USDA, or FHA loans swiftly and with ease. Pick one of three paths to connect with matching lenders and loan programs.
At First Hawaiian Mortgage. We are located in Lahaina, Maui but service the entire State of Hawaii. First Hawaiian Mortgage is a correspondent lender offering Fannie Mae, Freddie Mac, FHA, VA, USDA products and we have aligned ourselves with portfolio lenders so we can offer a full range of loan products
Maui County Federal Credit Union was originally established in 1937 to serve the needs of Maui’s County, State, and Federal government employees and their families. It is the largest credit union on Maui with 55 employees serving nearly 20,000 members throughout the County of Maui. Anyone that lives, works,
The Valley Isle Community Federal Credit Union is a full-service financial institution serving all residents on the island of Maui. Established in 1940, our goal is to provide our members high-value financial products with excellent member service and ultimately, improve their quality of lives, as well as the quality of our community.
In 1955, a group of civic-minded business people met at the old Kahului Store (also known as the Masonic building) for the purpose of forming a credit union to meet the financial needs of the people in Kahului. At the time, most credit unions were employer-based and there was no credit union in existence that could serve the rest of the community.
Wailuku Federal Credit Union, formerly Wailuku Community Federal Credit Union, was chartered in January 1955 with the help of Manuel S. Molina, a Wailuku businessman who felt that there was a need for a credit union in Wailuku. Before starting his own business, Mr. Molina was introduced to credit unions through his work at the pineapple company
"Elite Lending is a full service mortgage bank and brokerage with an impeccable reputation for 20 years of lending in Hawaii and California. Select a Loan Officer below to get started. and Elite Lending is a mortgage bank with operations in two states. Elite Lending offers numerous mortgage programs including conventional and more"
Locally Owned and Operated, Broker Kellie Pali- Cruz has access to many banks both local and international! One phone call can save you time and money! Don't be restricted by only one banks offering, allow yourself options! Kellie has many accolades including, The Real Estate Association of Maui's Affiliate Choice Award in 2008.
Pacific Home Loans offers a wide variety of loans, from First-Time Home Buyer programs to VA loans to Alt Doc loans for the self-employed. We offer more programs than any other mortgage provider in the state of Hawaii. We are able to do this because we are both a mortgage banker and mortgage broker.
Paradise Home Mortgage LLC we help you take full advantage of multiple lenders competing for your business to negotiate the lowest rate at the lowest cost which can save you tens of thousands of dollars in interest & fees! Due to the fact that we represent a large number of clients,we are able to offer wholesale pricing that is often not available.
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.
