FHA VS Conventional loan programs in 2025 for Waikele, Honolulu County, Hawaii

In 2025, the Conventional loan limit in Waikele, located in Honolulu, HI, is set at $1,089,300, whereas the FHA ceiling for a single-family home is $770,500.

Utilize the Lendersa® Conventional loan calculator to compare today's prime rate options among Conventional, FHA, and USDA loans. Establish the necessary income, credit, reserves, and documents for qualification. Through our advanced mortgage calculator, you can see side-by-side options of Conforming Conventional, USDA, FHA, and VA loans, aiding in selecting the best choice in HI tailored to your financial scenario.

Review loan offers from a selection of 100 lenders

2025 Loan Limits and Down Payment Specifications in Waikele, Honolulu, HI

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

This table applies to the following zip codes: 96797

Options for Conventional and FHA Loans in Waikele, HI

Lendersa® is committed to providing you with the most effective Conventional, USDA, or FHA loan with ease and speed. Start with one of the three strategies below to engage with compatible lenders and loan options.

Lendersa USDA loan request and results analysis


  • NewRate Lending
  • 2010 Main Street, Suite 1250, Irvine, CA, 92614
  • NewRate Lending is a full-service mortgage bank that operates out of Irvine, California. With a family-oriented corporate culture and proven track record of success, we aim to make the mortgage loan experience simple, enjoyable and transparent from start to finish for all parties involved.
  • Kent Mortgage Corporation
  • 17310 Red Hill Avenue, Suite 280, Irvine, CA, 92614
  • KENT MORTGAGE CORPORATION is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools.
  • Opengate Loans Inc
  • 18008 Sky Park Circle, Suite 270, Irvine, CA, 92614
  • Opengate Loans Inc Mortgage rates are incredibly low right now and it only makes sense you call the experts at OpenGate Lending to see how much we can save on your home loan. You could end up saving thousands per year by refinancing to a lower rate. There are also great loan products available.
  • Pacific Beneficial Mortgage Company Inc.
  • 18010 Skypark Circle, Suite 225, Irvine, CA, 92614
  • Pacific Beneficial Mortgage Company, Inc, professional mortgage company specializing in residential mortgages. At Pacific Beneficial Mortgage Company, Inc, 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.
  • Good Neighbor Mortgage & Realty
  • 1 Park Plaza, Suite 600, Irvine, CA, 92614
  • Good Neighbor Mortgage is one of the largest financial commitments that you will make during your life. We can help you realize that your home is truly a valuable financial tool for achieving the dreams and plans you have always envisioned. You only think about real estate and mortgage financing a few times during your life.
  • American 1st Partners
  • 18010 Skypark Circle, Suite 205, Irvine, CA, 92614
  • Our Vision is to change how the mortgage industry conducts business by building long-lasting relationships one loan at a time. We aim to go beyond the needs and desires of not only our clients but also our staff who work tirelessly to make everything possible. Developing an employee-centric workplace fosters an environment
  • Activus Home Loans
  • 4 Park Plaza, Suite 790, Irvine, CA, 92614
  • As the world gets smaller and faster, consumers demand results that are immediate, uncomplicated and accurate. That's why at Activus, we are committed to delivering those results to every customer - every time. Whether our clients are buying their first home, trading-up to a larger home, refinancing or just consolidating their debt.
  • HighTechLending, Inc.
  • 2030 Main St, Suite 350, Irvine, CA, 92614
  • "We are an FHA Approved Mortgage Bank and Direct Lender providing FHA, VA, USDA, 203K, Conventional, Jumbo, Streamline Refi, and Reverse Loans. Founded by Don Currie and Erika Macias, our winning strategy consists of a carefully crafted blend of excellent price, niche product offerings and exceptional customer service."
  • Loanleaders of America
  • 38 Executive Park, Suite 260, Irvine, CA, 92614
  • Loan Leaders of America, Inc. is a Nationwide Wholesale Lender offering conventional and government loans on both residential and commercial properties. Established in 1999 Loan Leaders of America, Inc., has maintained to be one of the nation's most competitive wholesale lenders and diversified brokers in the industry, year after year.
  • Direct Finance
  • 17782 Cowan, Suite F, Irvine, CA, 92614
  • Direct Finance is a full-service financing brokerage that offers a wide range of products to include residential and commercial financing, mixed use, multi-family, non-traditional financing, equity lines, and bank statement financing.Our team of mortgage experts and consultants are some of the most seasoned in the industry.