USDA and FHA Pro and Con in Hilo, Hawaii County, HI
For 2026, the maximum USDA loan in Hilo, located in Hawaii county, HI, is set at $600,000, whereas the FHA cap for a single-family residence is $517,500.
Use the Lendersa® USDA loan calculator to compare the top USDA against FHA rates available today and assess necessary qualifications regarding income, credit, reserves, and required documents. Our sophisticated mortgage calculator presents USDA, FHA, Conforming, and VA options side by side, assisting you in choosing the best program tailored to your financial needs in .
Loan limits and down payment needs for 2026 in Hilo, Hawaii county, HI
Loan Type
Limit
Down Payment
USDA
$600,000
0%
FHA
$517,500
3.5%
Conventional Conforming
$1,089,300
3%
Available USDA and FHA loan alternatives in Hilo, HI
Lendersa® aims to secure the most suitable USDA or FHA loan for you promptly and effectively. Start with one of these three methods that align you with lenders and USDA loan options.
A USDA home loan, supported by the U.S. Department of Agriculture, is also known as the USDA rural development loan or USDA mortgage, offered solely in rural areas. Unlike FHA loans that necessitate a 3.5% down payment, USDA mortgages do not require any down payment.
Franklin Regional Schools Federal Credit Union was founded in 1967 to give the faculty and administration of the school district a convenient means to obtain loans and other financial services. Currently FRSFCU has 450 members and has been helping its members obtain the financing necessary to meet their individual needs.
The Elliott Community FCU, Founded in 1935, is unique in the fact that all of our local branches were homes converted into office space. Membership is open to anyone who Lives, works, worships or attends school in Westmoreland County. We strive to provide our members with unique and personalized customer service that they cannot get.
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.
"Mortgages Unlimited was founded on the belief that everyone deserves a home and everyone deserves a mortgage to fit their financial needs. At Mortgages Unlimited, your Loan Officer will be with you every step of the way, from the initial application to the closing table. We do not outsource the processing of your loan."
360 Town Plaza Avenue, Suite 340, Ponte Vedra, FL, 32081
First Coast Mortgage Funding, we are committed to helping those in the Jacksonville, FL community purchase and refinance residential properties. If you or someone you know is looking to purchase or refinance a primary residence, vacation home, or investment property, we’re here to assist. From single-family and multi-family homes.
90 FORT WADE ROAD, SUITE 175, Ponte Vedra, FL, 32081
Atlantic Trust Mortgage was founded in 2003 when Scott Goldstein, with many years of experience in the mortgage industry, acted on his vision of owning and operating his own mortgage company. It has proven to be a successful and rewarding venture, as his steadfast and dedicated style of providing the best service possible.
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. Specialties in-Conventional Lending, FHA Loans,Self-Employment Mortgage Loans, VA Loans,Commercial Lending, Hard Money Lending,Mortgage Lending.
Davis Trust Company was founded on June 17th of 1901 by former US Senator Henry Gassaway Davis. Henry G. Davis is responsible for the formation of many local landmarks in Elkins, WV such as Davis & Elkins College including the historic mansions, Halliehurst and Graceland, as well as Davis Memorial Hospital.
Citizens Bank opened its doors January 22, 1924 and has since continued to be a viable community bank, with many of our employees and officers involved in the respective communities they serve. The Board, management and staff of Citizens Bank remain committed to a long-term, personal approach to banking that puts our customers first and foremost.
