USDA Vs. FHA Pro and Con comparison in Kahaluu-Keauhou, Hawaii County, HI

For 2025, the USDA loan limit in Kahaluu-Keauhou, within Hawaii, HI, is set at $600,000. Meanwhile, the FHA limit for a single-family home is $517,500.

Utilize the Lendersa® USDA loan calculator to compare the best current USDA versus FHA rates, determining the required income, credit, reserves, and documents needed for qualification. With our advanced mortgage calculator, you can see the USDA, FHA, Conforming, and VA options side by side, helping you decide which program in best suits your financial situation.

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2025 Loan Limits and Downpayment Requirements in Kahaluu-Keauhou, County of Hawaii, HI

Loan Type Loan Limit Down Payment
USDA $600,000 0%
FHA $517,500 3.5%
Conventional Conforming $1,089,300 3%

Exploring USDA and FHA Loan Options in Kahaluu-Keauhou, HI

The goal of Lendersa® is to secure the best possible USDA or FHA loan for you quickly and without hassle. Select one of three starting strategies to align with lenders and USDA loan programs effectively.

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Understanding the USDA Loan in HI

The USDA home loan, also known as a USDA rural development loan or USDA mortgage, is guaranteed by the U.S. Department of Agriculture and is available exclusively in rural neighborhoods. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA loans require no down payment at all.

Enter your location to find out if it qualifies for USDA rural housing loan?



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