For 2026, the USDA loan limit in Honolulu, within Honolulu county, HI, is $725,000, while the limit for FHA loans on a single-family home is $770,500.
Experience Lendersa® USDA loan calculator to compare today's top USDA and FHA rates. Determine the necessary income, credit, reserves, and documents for qualification with our advanced mortgage calculator, which shows USDA, FHA, Conforming, and VA loans side by side. This tool aids in selecting the best program for your financial needs, especially in Alabama.
2026 Loan Limits and Downpayment Requirements in Honolulu, County of Honolulu, HI
Loan Type
Loan Limit
Down Payment
USDA
$725,000
0%
FHA
$770,500
3.5%
Conventional Conforming
$1,089,300
3%
USDA and FHA Loan Options in Honolulu, HI
The goal of Lendersa® is to secure the most advantageous USDA or FHA loan for you quickly and effortlessly. Choose one of three methods to connect with lenders and explore matching USDA loan programs.
A USDA home loan, commonly known as a USDA rural development loan or USDA mortgage, is backed by the Department of Agriculture. Available only in rural areas, USDA loans do not require any down payment, unlike FHA loans, which require a minimum of 3.5% down payment.
Territorial Savings Bank has come a long way from its humble beginnings in 1921 when ten individuals came together to establish the Kaimuki Building & Loan Association. Committed to providing personal financial services to our customers and keeping in step with community needs and account holder expectations
Hawaii Community Reinvestment Corporation (HCRC) is a 501(c)3 community-based non-profit corporation founded in 1990. The mission of HCRC is to facilitate affordable housing, community development, and economic development throughout the State of Hawaii by providing innovative financing, training and consulting services.
Our investment in technology means faster turn times for our clients and lower costs for us (and subsequently you). And first and foremost, we keep in mind the importance of customer service. So following the Golden Rule, we treat our clients as we'd want to be treated ourselves whether we're in person, having a phone conversation
1050 Queen St, Suite 100, Office A2, Honolulu, HI, 96814
Lends in Hawaii
Duncan Hsia founded Infinite Financial to offer customers the best real estate financing options for their purchases or refinances. Duncan has helped many customers at other mortgage lenders over the years, but was frustrated to be limited to certain products and services. Now, at Infinite Financial, he’ll be able to build a team.
Our executive team consists of industry experts and professionals in the financial and real estate industry. We are well versed when it comes to understanding how a mortgage can affect clients in all areas of their financial life. With a highly dedicated executive team, CF Home Loans is committed to providing an environment to promote teamwork.
1314 South King Street, Suite 1153, Honolulu, HI, 96814
Lends in Hawaii
mu-hawaii have been first time home buyers and are home owners just like you. We are invested in being a positive role in your refinance or home purchase now and in the future and also In the ever changing technological landscape, we invest in modern and efficient systems to help insure we are able to provide lower rates and faster close times.
1288 Ala Moana Blvd, Suite 19E, Honolulu, HI, 96814
Lends in Hawaii
HAWAII BEST LOANS offers residential mortgage loans in Hawaii from top-notch lenders. We follow a simple formula that has made us one of the most trusted residential mortgage companies in Hawaii. We understand that obtaining a home loan is one of the biggest decisions of your life and we are therefore committed to making the process as easy
1600 Kapiolani Blvd, Suite 633, Honolulu, HI, 96814
Lends in Hawaii
Smart Money is a mortgage broker servicing the State of Hawaii. We specialize in conventional, VA, FHA, USDA, portfolio, and hard money residential home loans. Whether you're a first time home buyer or investor, we can help. We have access to many lenders and guidelines, which in turn give you the best options.
1050 Queen St, Suite 100, Office A2, Honolulu, HI, 96814
Lends in Hawaii
Infinite Financial, LLC, NMLS # 1866302, works with both local and national lenders to provide the best products and services to mortgage customers. From conventional to VA to USDA to FHA to portfolio, non-QM, and hard money options, Infinite Financial has the products to meet your needs
1600 Kapiolani Blvd, Suite 633, Honolulu, HI, 96814
Lends in Hawaii
Smart Money is a mortgage broker servicing the State of Hawaii. We specialize in conventional, VA, FHA, USDA, portfolio, and hard money residential home loans. Whether you're a first time home buyer or investor, we can help. We have access to many lenders and guidelines, which in turn give you the best options.
