In 2026, the USDA loan limit in Kailua, located in Honolulu, HI, is $725,000. Meanwhile, the FHA limit for a single-family home is $770,500.
Utilize the Lendersa® USDA loan calculator now to compare today's top USDA versus FHA rates. Assess the necessary income, credit score, reserves, and documentation to qualify. With our advanced mortgage calculator, you can view the USDA, FHA, Conforming, and VA programs side by side to determine which option in best suits your financial requirements.
Loan limits and down payment requirements for 2026 in Kailua, Honolulu county, HI
Loan Type
Maximum Loan
Down Payment
USDA
$725,000
0%
FHA
$770,500
3.5%
Conventional Conforming
$1,089,300
3%
USDA and FHA loan selections in Kailua, HI
Lendersa® is devoted to getting you the best USDA or FHA loan quickly and conveniently. Choose one of the three initial paths to connect with matching lenders and explore USDA loan programs.
A USDA home loan is backed by the U.S. Department of Agriculture, known as a USDA rural development loan or mortgage. It's available exclusively in rural areas. Unlike FHA loans that require at least a 3.5% down payment, a USDA mortgage loan requires no down payment at all.
Ko'olau Federal Credit Union is located in Honolulu County of Hawaii state. On the street of Mokapu Road and street number is 6699. To communicate or ask something with the place, the Phone number is (808) 254-3566.
The coordinates that you can use in navigation applications to get to find Ko'olau Federal Credit Union
The HG Mortgage team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
Our mission is to serve our customers with honesty integrity and competence. We pride ourselves in providing superior customer service and creating satisfied customers. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs based on their individual circumstances.
500 ALA MOANA BLVD, SUITE 7400, Honolulu, HI, 96813
Lends in Hawaii
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770 Kapiolani Blvd, Suite 514, Honolulu, HI, 96813
Lends in Hawaii
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