USDA Vs. FHA your options comparison in Volcano, Hawaii County, HI

For the year 2025, the USDA loan cap in Volcano, within Hawaii county, HI, is $600,000. On the other hand, the FHA limit for a single-family home is $517,500.

To assess today's top USDA vs FHA rates, use the Lendersa® USDA loan calculator. It assists in understanding the necessary income, credit, reserves, and documents needed for qualification. Our state-of-the-art mortgage calculator presents USDA, FHA, Conforming, and VA options side by side, allowing you to choose the best program for your financial needs in .

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2025 Loan Limits and Down Payment Requirements in Volcano, Hawaii County, HI

Loan Type Loan Limit Down Payment
USDA $600,000 0%
FHA $517,500 3.5%
Conventional Conforming $1,089,300 3%

Exploring USDA and FHA Loan Choices in Volcano, HI

Lendersa® strives to deliver the most suitable USDA or FHA loan quickly and effortlessly. Choose one of the three starting points to connect with matching lenders and USDA loan programs.

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Defining USDA Loans in HI

A USDA home loan, insured by the U.S. Department of Agriculture — also known as a USDA rural development loan or USDA mortgage — is exclusively available in rural areas. Unlike FHA loans that necessitate a minimum of 3.5% down payment, USDA loans require no down payment.

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



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