For 2026, the USDA loan threshold in Hawaiian-Paradise-Park, located in Hawaii county, HI, is $391,000, while the limit for FHA loans for single-family homes is $408,250.
Take advantage of the Lendersa® USDA loan calculator to evaluate current top USDA against FHA interest rates and assess the income, creditworthiness, reserves, and documentation required to qualify. Our sophisticated mortgage calculator allows you to view USDA, FHA, Conforming, and VA loans side-by-side, aiding in your decision on the best program to suit your financial needs in
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| Type of Loan | Maximum Loan Amount | Initial Down Payment | |
| USDA | $391,000 | 0% | |
| FHA | $408,250 | 3.5% | |
| Conventional Conforming | $822,375 | 3% |
Lendersa® aims to effortlessly connect you with the most favorable USDA or FHA loan. You have three paths to begin matching with lenders and USDA loan offerings.
The USDA home loan, offered by the U.S. Department of Agriculture, is also known as a USDA rural development or mortgage loan, and it is reserved for rural areas. Unlike FHA loans, which require at least a 3.5% down payment, no down payment is needed for the USDA mortgage.
Enter your location to find out if it qualifies for USDA rural housing loan?
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