USDA Vs. FHA Pro and Con comparison in Kapaa, Kauai County, HI

In the year 2025, the USDA loan limit for Kapaa, located in the county of Kauai, HI, is set at $725,000, while the FHA limit for a single-family residence is $977,500.

Utilize the Lendersa® USDA loan calculator to contrast the current USDA and FHA rates. This tool helps you understand the income, credit score, reserves, and documentation required for eligibility. Our sophisticated mortgage calculator displays USDA, FHA, Conforming, and VA programs side by side, aiding you in determining the most suitable option in according to your financial circumstances.

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2025 Loan Limits & Downpayment Requirements in Kapaa, County of Kauai, HI

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

Exploring USDA and FHA Loan Choices in Kapaa, HI

The mission of Lendersa® is to secure the best possible USDA or FHA loan for you swiftly and with minimal hassle. You can choose from three initial approaches that effectively align you with lenders and USDA loan offerings.

Lendersa USDA loan request and matching results

Understanding USDA Loans in HI

A USDA home loan, often referred to as a USDA rural development loan or USDA mortgage, is backed by the government’s Department of Agriculture and is designed for rural areas exclusively. Unlike FHA loans, which mandate at least a 3.5% down payment, USDA mortgages require no down payment at all.

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



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