Explore the differences! FHA VS Conventional loan programs in Waikele, Honolulu County, Hawaii
In 2026, 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.
2026 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.
Pearl Hawaii Federal Credit Union (Formerly Pearl Harbor Federal Credit Union; PHFCU) is a not-for-profit, financial cooperative. PHFCU has built a solid foundation to provide affordable financial services, financial products, technical assistance, and educational resources to current members as well as to all who reside on the island of O'ahu.
Since 2007, Hawaii VA Loans has helped veterans become homeowners by utilizing their VA loan benefits. Hawaii VA Loans has two locations, one in Kapolei and another in Kailua, and our dedicated team of VA Loan Specialists are ready to work with you!
We are residential mortgage lender that specializes in helping Veterans become homeowners.
Ohana Mortgage Solutions was started with the hope of enabling local families to become homeowners. Additionally, we wanted to embody the values of aloha and ʻohana in our business. That’s why we take some of the profits from every loan and partner directly with programs helping Hawaii’s children in the foster care system.
2176 Lauwiliwili Street, Suite 1, Kapolei, HI, 96707
Lends in Hawaii
Living in Hawaii has a very high cost. That’s why High Five Lending wants to help you get the best loan possible for your home. We have the experience and expertise to get you affordable rates at the right place. Life is already complicated, From empty nest moving to military moves.
91-110 Hanua Street, Suite 206, Kapolei, HI, 96707
Lends in Hawaii
Cornerstone Mortgage opened at the start of the mortgage meltdown in 2008 which spurred the worst economic crisis in at least a generation. We started as a one person branch office of a local lender and we have grown to be one of the top producing mortgage bankers in our area. Today we have offices in California, Hawaii and Nevada.
"In 2006, Ed and Bernie stepped out in faith and started Solid Rock Home Loans, with a vision to bring honesty and excellence to the mortgage lending in Hawaii. In 2019, Solid Rock Home Loans celebrates their 13 year anniversary having the honor to help many families dreams come true through homeownership."
HI Velocity Mortgage was started with the vision to offer great rates with exceptional service. We strive to simplify the mortgage process while tailoring to your specific financial goals. and also HawaiiVALoans. He has a wide variety of experience finding his clients’ needs and helping them fulfill their home buying goals.
Mahalo Mortgage is a kama‘aina company that offers a diverse range of loan programs, including government products such as FHA, VA and USDA. These programs provide qualifying individuals lower down payment options as well as increased flexibility in credit and income requirements
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
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.
