In the year 2026, the USDA loan limit for Waialua is set at $725,000 in Honolulu county, HI. In comparison, the FHA limit for a single-family home is $770,500.
Lendersa® provides a USDA loan calculator to easily compare the best rates available today for USDA versus FHA loans. This tool helps you determine the necessary income, credit profile, reserves, and documents required to qualify. With our advanced mortgage calculator, examine USDA, FHA, Conforming, and VA loan options side by side, aiding you in selecting the best option for your financial situation in
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| Loan Type | Loan Limit | Down Payment | |
| USDA | $725,000 | 0% | |
| FHA | $770,500 | 3.5% | |
| Conventional Conforming | $1,089,300 | 3% |
The goal of Lendersa® is to help you quickly secure the optimal USDA or FHA loan, hassle-free. Start with any of three entry points to connect with matching lenders and explore USDA loan programs available to you.
USDA home loans, often called USDA rural development loans or USDA mortgages, are backed by the U.S. Department of Agriculture. They are exclusively available in rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA loans require no down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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