USDA and FHA Pro and Con in Kaunakakai, Maui County, HI
In 2026, the USDA loan cap in Kaunakakai, Maui County, HI is $725,000, whereas the FHA threshold for a single-family dwelling is $977,500.
The Lendersa® USDA loan calculator allows you to compare the most favorable USDA against FHA rates of today and helps determine the income, credit, reserves, and necessary documents for eligibility. With our advanced mortgage calculator, you can also compare USDA, FHA, Conforming, and VA loans side by side to choose which program in is optimal for your financial scenario.
2026 Loan Limits and Downpayment Requirements in Kaunakakai, Maui County, HI
Loan Type
Loan Limit
Down Payment
USDA
$725,000
0%
FHA
$977,500
3.5%
Conventional Conforming
$1,089,300
3%
USDA and FHA Loan Opportunities in Kaunakakai, HI
Lendersa® aims to quickly and efficiently secure the best USDA or FHA loan available for you. Choose one of three starting options that connect you with matching lenders and USDA loan programs.
The USDA mortgage, guaranteed by the U.S. Department of Agriculture, is also known as a USDA Rural Development Loan. It's offered exclusively in rural locations, requiring no down payment in contrast to FHA loans which need at least 3.5% down.
Aloha, The Molokai Community Federal Credit Union is a member owned Financial Cooperative Credit with over 3,900 members providing financial products and services since 1951.
Whether you need help financing a new car, establishing credit, setting up an IRA, or just opening a new share draft account, your Credit Union can help you
Established in 1938, the Lāna’i Federal Credit Union, originally known as HAPCO Lāna’i Federal Credit Union, was organized to serve the employees of the Hawaiian Pineapple Company, on the island of Lāna’i, Hawaii. Lāna’i was once the largest pineapple plantation, producing 90% of the world’s pineapple during the 1950s – 1970s.
Whether you are in need of new financing or a refinance on your existing property; whatever your mortgage loan needs, and anywhere they may be, (including the communities of Maui any of our other service areas), Avis Mortgage can assist you by providing you with our top-notch service and expertise.
At First Hawaiian Mortgage. We are located in Lahaina, Maui but service the entire State of Hawaii. First Hawaiian Mortgage is a correspondent lender offering Fannie Mae, Freddie Mac, FHA, VA, USDA products and we have aligned ourselves with portfolio lenders so we can offer a full range of loan products
Maui Teachers FCU will serve its membership with integrity and efficiency and provide excellent financial services, creating financial growth for our members and for our credit union.
Maui Teachers Federal Credit Union will strive to exceed our members' expectations in our commitment to their financial well-being and growth
Maui County Federal Credit Union was originally established in 1937 to serve the needs of Maui’s County, State, and Federal government employees and their families. It is the largest credit union on Maui with 55 employees serving nearly 20,000 members throughout the County of Maui. Anyone that lives, works,
The Valley Isle Community Federal Credit Union is a full-service financial institution serving all residents on the island of Maui. Established in 1940, our goal is to provide our members high-value financial products with excellent member service and ultimately, improve their quality of lives, as well as the quality of our community.
Maui Pine Federal Credit Union officially opened for business, In 1997, the name changed to Maui Land & Pine FCU or simply ML&P FCU to reflect the growth of the company. In 2003, the Board of Directors concluded it would be in the best interest of the credit union to change its name officially to MAUI FCU to accurately portray
In 1955, a group of civic-minded business people met at the old Kahului Store (also known as the Masonic building) for the purpose of forming a credit union to meet the financial needs of the people in Kahului. At the time, most credit unions were employer-based and there was no credit union in existence that could serve the rest of the community.
Wailuku Federal Credit Union, formerly Wailuku Community Federal Credit Union, was chartered in January 1955 with the help of Manuel S. Molina, a Wailuku businessman who felt that there was a need for a credit union in Wailuku. Before starting his own business, Mr. Molina was introduced to credit unions through his work at the pineapple company
