USDA Vs. FHA Pro and Con comparison in Kaneohe-Station, Honolulu County, HI

For 2026, the USDA loan limit in Kaneohe-Station, found in Honolulu county, HI, is $576,800, whereas the FHA limit for a single-family home is $721,050.

Try the Lendersa® USDA loan calculator to contrast USDA and FHA rates today, and discover the income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA options side by side, aiding in selecting the best program for your needs in .

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2026 Loan Limits & Down Payment Requirements in Kaneohe-Station, Honolulu County, HI

Loan Type Loan Limit Down Payment
USDA $576,800 0%
FHA $721,050 3.5%
Conventional Conforming $822,375 3%

USDA and FHA Loan Options in Kaneohe-Station, HI

The mission of Lendersa® is to swiftly connect you with the best USDA or FHA loan options effortlessly. Choose from three different starting points to match with lenders and explore USDA loan offerings.

Lendersa USDA loan request and matching results

Understanding USDA Loans in HI

A USDA home loan, guaranteed by the U.S. Department of Agriculture—also known as the USDA rural development loan—is only available in rural regions. Unlike FHA loans that mandate a minimum down payment of 3.5%, the USDA loan requires none.

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



Kaneohe-Station Lenders

  • Ko'olau Federal Credit Union
  • 1005 Keolu Drive, Kailua, HI, 96734
  • Lends in Hawaii
  • 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

  • HG Mortgage
  • 354 Uluniu Street, Suite 402, Kailua, HI, 96734
  • Lends in Hawaii
  • 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.

  • Imperial Mortgage LLC
  • 1005 Keolu Drive, Kailua, HI, 96734
  • Lends in Hawaii
  • 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.

  • Elias Halvorson - VA Home Loans Hawaii
  • 500 ALA MOANA BLVD, SUITE 7400, Honolulu, HI, 96813
  • Lends in Hawaii
  • Let Elias Halvorson and the C2 Financial Corporation team help you discover the perfect new home on the Hawaiian Islands.  Our professional home loan team on Oahu is dedicated to helping you find the best VA loan to fit your needs. With expertise and local knowledge, Elias will guide you through the process and tailor your VA home loan to you or yo

  • OAHU FEDERAL CREDIT UNION
  • 2219 Pauoa Road, Honolulu, HI, 96813
  • Lends in Hawaii
  • Oahu Federal Credit Union strives to deliver the best service possible to our most important asset - our members. Qualified members may join Oahu Federal Credit Union by visiting our office located at 2219 Pauoa Road in Honolulu.

    The mission of a credit union is to provide and promote the use of a variety of financial services

  • Hawaiian Electric Employees Federal Credit Union
  • 770 Kapiolani Blvd, Suite 514, Honolulu, HI, 96813
  • Lends in Hawaii
  • Hawaiian Electric Employees Federal Credit Union – a not for profit, financial cooperative. It was in the spirit of “people helping people” that the Credit Union was founded in 1937, by 15 employees of Hawaiian Electric Company who pooled together $70 of their money. Today, that same spirit of “people helping people” has grown to serve

  • Hawaii Schools Federal Credit Union
  • 233 Vineyard Street, Honolulu, HI, 96813
  • Lends in Hawaii
  • Hawaii Schools Federal Credit Union is an exclusive, lifetime benefit available to employees, retirees, and current students of the Department of Education (K-12) system in the State of Hawaii including qualifying family members and domestic partners. We are one of Hawaii's oldest credit unions and the largest remaining credit union in Hawaii

  • No Cost VA Loans
  • 1188 Bishop St, Suite 2306, Honolulu, HI, 96813
  • Lends in Hawaii
  • No Cost VA Loans” is a mortgage banking firm providing mortgage financing as both broker and direct lender. Our objective is to provide the local market with a one-stop solution for all mortgage needs. With an emphasis on residential mortgages, we’ve been able to position ourselves not only as a market leader

  • Hawaii Central Federal Credit Union
  • 681 South King Street, Honolulu, HI, 96813
  • Lends in Hawaii
  • Established in 1937, Hawaii Central FCU offers a full range of products and services to meet your financial needs. Federally insured by NCUA Hawaii Central Federal Credit Union is a credit union with operations in one state. Hawaii Central Federal Credit Union offers numerous mortgage programs including conventional, jumbo, construction more

  • First Hawaiian Bank
  • 999 Bishop St, Honolulu, HI, 96813
  • Lends in Hawaii
  • First Hawaiian, Inc. (NASDAQ: FHB) is a bank holding company headquartered in Honolulu, Hawai’i. Its principal subsidiary, First Hawaiian Bank, founded in 1858, is Hawaii’s oldest and largest financial institution. The bank has 49 branches throughout Hawaii, three in Guam and two in Saipan. It offers a diversified range of banking services to consu