For 2026, the USDA loan cap for Puhi, in Kauai county, HI, is set at $725,000. Meanwhile, the FHA limit for a single-family home reaches $977,500.
With Lendersa® USDA loan calculator, you're able to compare the best available rates today between USDA and FHA loans. This tool helps determine the qualification criteria, such as income, credit, reserves, and necessary documents. Our sophisticated mortgage calculator shows USDA, FHA, Conforming, and VA options side by side, aiding you in choosing the right program in for your financial situation.
Loan limits and down payment requirements for 2026 in Puhi, Kauai, 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 possibilities in Puhi, HI
The mission of Lendersa® is to fast-track obtaining the best USDA or FHA loan without complications. You can begin with one of three options to connect with appropriate lenders and suitable USDA loan programs.
USDA home loans are guaranteed by the U.S. Department of Agriculture. Known as USDA rural development loans or USDA mortgages, these loans are available only in rural areas. Unlike FHA loans, which require a 3.5% minimum down payment, USDA loans do not require any down payment at all.
Kauai Teachers Federal Credit Union is a member-owned, non-profit financial cooperative whose members are owners and savers, as well as potential borrowers. Demonstrating the philosophy of “People Helping People”, members pool their money by purchasing shares, thus making low-cost loans
In 1947, we started a credit union for employees of the territory of Hawaii and the county of Kaua’i. Our goal was not only to provide county, state, and federal government employees & their families with basic financial needs but also to invest in and grow the quality of life on the island. Over 70 years later we’re still committed to our goal
Our story begins in 1954. Ten hard-working pineapple farmers pooled their resources and did something none of them could have done alone: collected $595 for lending and purchased heavy equipment.
They believed that together they could provide a better life for their families, for their community, and for Kaua‘i. They gathered. And they grew.
On February 8,1938, a Federal Charter was issued to Lihue Federal Credit Union covering the employees of The Lihue Plantation Company, Ltd. and its wholly owned subsidiaries; East Kauai Water Company, Kauai Stores and Waiahi Electric Company (merged with Kauai Electric Company).
In 2007, we changed our name to Garden Island Federal Credit Unio
67-292 Goodale Avenue, Suite A2, Waialua, HI, 96791
Lends in Hawaii
Waialua Federal Credit Union has been proudly serving the residents of the Waialua community since 1937. The Waialua Federal Credit Union started for the employees of the Waialua Sugar Cane Company and in 1992 the field of membership was changed to include the community of Waialua and Haleiwa.
56-576 Kamehameha Highway, Suite A, Kahuku, HI, 96731
Lends in Hawaii
Kahuku FCU was chartered on July 28, 1937 to serve the employees of the Kahuku Plantation Company, a cane sugar plantation. The plantation ceased operations in 1971, and on June 1, 1972 the credit union’s charter was amended to include residents who lived near the local post office.
Mahalo Mortgage is a kama‘aina company that offers a diverse range of loan programs, including government products such as FHA, VA and USDA. These programs provide qualifying individuals lower down payment options as well as increased flexibility in credit and income requirements
Since 2007, Hawaii VA Loans has helped veterans become homeowners by utilizing their VA loan benefits. Hawaii VA Loans has two locations, one in Kapolei and another in Kailua, and our dedicated team of VA Loan Specialists are ready to work with you!
We are residential mortgage lender that specializes in helping Veterans become homeowners.
Ohana Mortgage Solutions was started with the hope of enabling local families to become homeowners. Additionally, we wanted to embody the values of aloha and ʻohana in our business. That’s why we take some of the profits from every loan and partner directly with programs helping Hawaii’s children in the foster care system.
2176 Lauwiliwili Street, Suite 1, Kapolei, HI, 96707
Lends in Hawaii
Living in Hawaii has a very high cost. That’s why High Five Lending wants to help you get the best loan possible for your home. We have the experience and expertise to get you affordable rates at the right place. Life is already complicated, From empty nest moving to military moves.
