As of 2026, the USDA loan cap in the city of Halawa, situated in Honolulu county, HI, is set at $725,000, whereas the FHA loan cap for a single-family home stands at $770,500.
Utilize the Lendersa® USDA loan calculator to compare today's most favorable USDA and FHA rates, and quickly ascertain the income, credit score, reserves, and paperwork needed to qualify. Our sophisticated mortgage calculator provides a side-by-side view of USDA, FHA, Conforming, and VA options, assisting you in determining the best program for your unique financial circumstances within
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| Loan Type | Loan Cap | Down Payment | |
| USDA | $725,000 | 0% | |
| FHA | $770,500 | 3.5% | |
| Conventional Conforming | $1,089,300 | 3% |
Lendersa® aims to secure you the most advantageous USDA or FHA loan efficiently and smoothly. Choose one of three starting points to connect with lenders and explore USDA loan programs.
A USDA home loan is a government-backed mortgage offered by the Department of Agriculture, also known as a USDA rural development loan, primarily available in rural areas. In stark contrast to FHA loans that mandate a downpayment of at least 3.5%, the USDA mortgage requires no down payment whatsoever.
Enter your location to find out if it qualifies for USDA rural housing loan?
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