USDA Vs. FHA Pro and Con comparison in Hawaiian-Ocean-View, Hawaii County, HI
In 2025, the USDA loan limit for Hawaiian-Ocean-View, located in the county of Hawaii, HI, is $391,000. Meanwhile, the limit for an FHA loan on a single-family home is $408,250.
Use the Lendersa® USDA loan calculator to compare the best current USDA and FHA rates and determine the required income, credit, reserves, and documents for qualification. Our advanced mortgage calculator allows you to see USDA, FHA, Conforming, and VA options side by side, helping you identify the best program for your specific financial situation in .
2025 Loan Limits and Downpayment Requirements in Hawaiian-Ocean-View, County of Hawaii, HI
Loan Type
Loan Limit
Down Payment
USDA
$391,000
0%
FHA
$408,250
3.5%
Conventional Conforming
$822,375
3%
Exploring USDA and FHA Loan Options in Hawaiian-Ocean-View, HI
Lendersa® is dedicated to swiftly obtaining the best USDA or FHA loan for you without hassle. Start by choosing one of three approaches that match you with lenders and USDA loan programs.
A USDA home loan, also referred to as a USDA rural development loan or USDA mortgage, is guaranteed by the U.S. Department of Agriculture. This type of loan is exclusively available in rural areas. Unlike FHA loans that require a minimum 3.5% down payment, USDA mortgages do not require any down payment at all.
At Life Changer Loan, we’re making that a reality for homebuyers in Arizona by offering a special loan that can help you pay off your loan and build equity in record time. A Life Changer Loan is a special type of home loan that merges home finance with personal banking in a convenient, integrated package.
Nexa Mortgage, LLC: Your Partner in Home Ownership
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Nexa Mortgage, LLC, led by Jason Elliott, offers tailored mortgage solutions from California, ensuring fast, competitive rates. We serve first-time buyers and seasoned investors alike with quick closings and personalized guidance, making home ownership sea
Discover the future of home financing with NEXA Mortgage, LLC, led by Jason Elliott. Based in California, we specialize in providing competitive mortgage solutions tailored to your needs. Whether you're a first-time homebuyer or a seasoned investor, our expert team ensures quick closings and clear, personalized guidance. Experience transparency and
Gateway Bank represents a return to how banking used to be, where the staff knew everyone by name and treated you like a person instead of a number. We bring this nostalgic approach into modern times and offer the best of both worlds: the local, personal attention you want, plus a wide variety of products and services to meet your needs.
USA Private Money is a private lender providing loans across the United States. They provide fix-and-flip loans, hard money bridge loans, refinancing, loans for rental properties, and private commercial loans. They offer loan amounts starting from $45,000 with a maximum LTV of 90%, terms up to 300 months, and rates ranging between 6% and 8%.
"With many years of experience in the mortgage banking industry, and extensive practice in originating home loans for both purchase and refinance, I am a firm believer in excellent customer service and offering the most competitive pricing.
Through working with Union Home Mortgage, a Direct Lender,"
We are a Retail Mortgage Company designed to streamline the mortgage loan process and assist you in navigating your mortgage decisions to accomplish your goals. We hold ourselves to the highest standards and encourage you to do the same. Please keep us in the forefront of your mind for your mortgage needs and those of your family and friends.
4710 East Falcon Drive, Suite 202, Mesa, AZ, 85215
We provide a professional environment for you to feel comfortable and welcome to discuss your needs. We are committed to evaluate every individual situation. With the experience and education of our mortgage consultants, we will help you make the best home financing decision possible.
Cheney Federal Credit Union has been serving members and our local community since 1951. We provide convenient and low-cost financial services to those who live, work, worship or attend school in the Cheney and Medical Lake School Districts and their immediate family members. CFCU is a member-owned, not-for-profit financial institution.
