In 2026, the USDA loan limit in Kula, county of Maui, HI is $725,000. Meanwhile, the FHA limit for a single-family home stands at $977,500.
Make use of the Lendersa® USDA loan calculator to evaluate today's top choices between USDA and FHA rates. This helps determine the necessary income, credit, reserves, and documents required for eligibility. With our advanced mortgage calculator, you can directly compare USDA, FHA, Conforming, and VA loan options side by side, assisting you in selecting the ideal program for your specific financial situation in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $725,000 | 0% |
| FHA | $977,500 | 3.5% |
| Conventional Conforming | $1,089,300 | 3% |
The primary aim of Lendersa® is to quickly and effortlessly secure you the best USDA or FHA loan. Begin by selecting one of three initial points that connect you with lenders and USDA loan programs effectively.
A USDA home loan, also known as a USDA rural development loan or USDA mortgage, is guaranteed by the government's Department of Agriculture and is exclusively available in rural neighborhoods. These USDA loans do not require any down payment, making them distinctly different from FHA loans, which necessitate a minimum down payment of 3.5%.
Enter your location to find out if it qualifies for USDA rural housing loan?
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