USDA and FHA Pro and Con in Napili-Honokowai, Maui County, HI
For 2025, in Napili-Honokowai, situated in Maui county, HI, the USDA loan limit is set at $725,000. For a single-family home, the FHA limit stands at $977,500.
Utilize the Lendersa® USDA loan calculator to compare today’s best USDA and FHA rates, determining the necessary income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA loan options side by side, helping you to decide which program in best suits your financial situation.
2025 Loan Limits & Downpayment Requirements in Napili-Honokowai, 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 Napili-Honokowai, HI
The primary goal of Lendersa® is to provide you with the most advantageous USDA or FHA loan quickly and effortlessly. Choose from one of three starting points that connect you with lenders and the USDA loan programs:
A USDA home loan, commonly referred to as a USDA rural development loan or USDA mortgage, is guaranteed by the Department of Agriculture and is available exclusively in rural neighborhoods. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA mortgages require no down payment at all.
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