USDA and FHA Pro and Con in Kaneohe, Honolulu County, HI

In 2025, the USDA loan limit established for Kaneohe, within Honolulu county, HI, is $725,000. Meanwhile, for a single-family home, the FHA limit is $770,500.

To compare the best USDA and FHA rates available today, use the Lendersa® USDA loan calculator. This tool aids in identifying the necessary income, credit, reserves, and documents required to qualify. Our advanced mortgage calculator allows you to see USDA, FHA, Conforming, and VA loans side by side, helping you determine the most suitable program for your financial circumstances in .

Browse loan offers from 100 lenders

2025 Loan Limits and Downpayment Requirements in Kaneohe, 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%

Exploring USDA and FHA Loan Options in Kaneohe, HI

The aim of Lendersa® is to swiftly provide the best USDA or FHA loans without hassle. Choose one of three starting methods to connect with matching lenders and discover the USDA loan programs available.

Image depicting Lendersa USDA loan request and matching outcomes

Understanding USDA Loans in HI

The USDA home loan is a government-backed mortgage provided by the Department of Agriculture. Known as the USDA rural development loan, it is available exclusively for rural areas. It stands out from FHA loans, which require a 3.5% down payment at the very least, by offering no down payment requirement at all, presenting a significant advantage for qualifying buyers.

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



  • Peoples State Bank
  • 1905 Stewart Ave, Wausau, WI, 54401
  • Peoples State Bank opened its doors in 1962 as an independent bank dedicated to customer satisfaction. Quality service was the vision of the 15 original founders. All types of businesses, small and large were attracted to this type of bank where profits were reinvested in the community it served.
  • IncredibleBank
  • 327 N 17th Ave, Wausau, WI, 54401
  • Our mission is to grow our customers' entire financial relationship, and we believe that starts by providing incredible customer experiences in every aspect of your Banking relationship. Whether you are a young family looking for your first home or an experienced business owner expanding operations.
  • Midwest Members Credit Union
  • 101 Wesley Drive, Wood River, IL, 62095
  • Midwest Members Credit Union has been serving our membership since 1935. . With our recent expansion, now people in 10 Illinois Counties are eligible for the benefits of being a member of Midwest Members Credit Union. Great savings and loan rates, most recent banking technology, mobile and online banking, and service to our communities
  • The Baraboo National Bank
  • 101 Third Avenue, Baraboo, WI, 53913
  • Baraboo State Bank has served the people of Baraboo and its surrounding communities since 1857. The bank is locally owned and operated. We are a member of The Baraboo Bancorporation, Inc. holding company. We take pride in providing our customers with excellent customer service, a wide variety of accounts, and competitive loan rates.
  • Bank of Anguilla Anguilla
  • 130 Holland Street, Anguilla, MS, 38721
  • Bank of Anguilla’s history dates back to its charter in 1904 when local businessmen and farmers came together out of a desire to create a financial institution focused on the economic well-being of the South Delta of Mississippi. Bank of Anguilla has endured the challenging times of the Flood of 1927 and the Great Depression
  • Mutual Credit Union
  • 1604 Cherry Street, Vicksburg, MS, 39180
  • Founded in 1930 and chartered in 1931, Mutual Credit Union is Mississippi's oldest credit union, and one of the Southeast's most respected. Through the years, our State chartered financial institution has grown from humble beginnings into a world class financial services organization with over 20, 000 active members and over $190 million in assets.
  • Vicksburg Railroad Credit Union
  • 2101 Cherry Street, Vicksburg, MS, 39180
  • Since its inception in 1934 the Vicksburg Railroad Credit Union has been serving its members in & around the Vicksburg, Mississippi area with exceptional financial products. Even with members living in Louisiana, Texas, Alabama & all throughout Mississippi, we have still kept our focus on providing excellent service & responsiveness to each member.
  • MRV Banks
  • Genevieve Drive, Suite 871, Sainte Genevieve, MO, 63670
  • MRV Banks is a locally owned, independent bank dedicated to serving consumers and small businesses throughout Missouri. Since our beginnings in 2007, we have been providing the best products and services for our customers while supporting the communities in which we work and live.