USDA Vs. FHA your options comparison in Makawao, Maui County, HI

In 2026, the USDA loan limit in Makawao, within Maui county, HI, is set at $725,000. Meanwhile, the FHA limit for a single-family house is $977,500.

Use the Lendersa® USDA loan calculator to compare today's leading USDA and FHA rates. It helps you determine the necessary income, credit, reserves, and documents needed to qualify. Our advanced mortgage calculator enables you to view USDA, FHA, Conforming, and VA loans side by side, guiding you to select the best option for your financial situation in .

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2026 Loan Limits and Downpayment Requirements in Makawao, County of Maui, 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 Options in Makawao, HI

Lendersa® aims to get you the best available USDA or FHA loan quickly and without hassle. Choose from one of three starting points that effectively matches you with lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding the USDA Loan in HI

The USDA home loan, referred to as a USDA rural development loan or USDA mortgage, is guaranteed by the U.S. Department of Agriculture and is available exclusively in rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA mortgages need no down payment at all.

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



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