USDA Vs. FHA your options comparison in Kahului, Maui County, HI

In 2025, the USDA loan limit for Kahului in Maui, HI is set at $725,000. Meanwhile, the FHA limit for a single-family home stands at $977,500.

Explore your options with Lendersa®’s USDA loan calculator, which can help you compare today's top USDA and FHA rates. You can assess the necessary income, credit, reserves, and documentation required for qualification. Our sophisticated mortgage calculator allows side-by-side comparisons of USDA, FHA, Conforming, and VA loans to assist you in choosing the most suitable program for your financial circumstances in Alabama.

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Understanding 2025 loan limits and deposit requirements in Kahului, Maui, HI

Loan Type Loan Limit Minimum Down payment
USDA $725,000 0%
FHA $977,500 3.5%
Conventional Conforming $1,089,300 3%

Exploring USDA and FHA Loans in Kahului, HI

Lendersa® aims to provide you with an efficient, hassle-free USDA or FHA loan process. Begin by choosing one of three pathways that will connect you with lenders offering USDA loan programs.

Lendersa USDA loan request and matching results

Defining USDA Loans in HI

USDA home loans are government-backed, courtesy of the Department of Agriculture, also known as USDA rural development or USDA mortgages. They are available exclusively in rural communities. While FHA loans necessitate a 3.5% down payment at a minimum, no down payment is required for a USDA mortgage loan.

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



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  • Valley West Mortgage is a privately held mortgage company founded, and based in the entertainment capital of the world, Las Vegas, Nevada. Our operations extend into all of the following states, we are continuously expanding our brand and gaining market share: Alabama, Arizona, California, Colorado, DC, Florida etc..
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