USDA and FHA Pro and Con in Waianae, Honolulu County, HI

As of 2025, within Waianae, located in the county of Honolulu, HI, the USDA loan limit reaches $725,000, whereas the FHA loan limit for a single-family house is $770,500.

Make use of the Lendersa® USDA loan calculator to contrast the best USDA and FHA rates available today. Determine the income, credit scores, reserves, and documentation necessary for qualification. Our cutting-edge mortgage calculator lets you compare USDA, FHA, Conforming, and VA programs side by side, aiding you in selecting the most beneficial program for your financial situation in .

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Loan Limits and Down Payment Requirements for 2025 in Waianae, Honolulu County, HI

Type of Loan Loan Cap Required Down Payment
USDA $725,000 0%
FHA $770,500 3.5%
Conventional Conforming $1,089,300 3%

Options for USDA and FHA Loans in Waianae, HI

The mission of Lendersa® is to facilitate the procurement of the most advantageous USDA or FHA loan quickly and with ease. Choose from three different starting options to connect with lenders and USDA loan offerings.

Lendersa USDA loan request and matching outcomes

Defining USDA Loans in HI

A USDA home loan, endorsed by the U.S. Department of Agriculture, often referred to as a USDA rural development loan or USDA mortgage, is designed for rural settings only. Unlike FHA loans, which mandate at least a 3.5% down payment, the USDA mortgage requires no down payment whatsoever.

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



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  • IRS Buffalo Federal Credit Union
  • 130 South Elmwood Avenue, Room 147, Buffalo, NY, 14202
  • The IRS Buffalo Federal Credit Union is a not-for-profit member owned and operated financial institution established to meet the needs of its members and members of their families. The IRS Buffalo Federal Credit Union received its charter on February 1, 1957, thanks to some determined IRS employees
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  • The Buffalo Police Federal Credit Union was founded on March 26, 1936. We are proud to serve the dedicated employees of the Buffalo Police and Fire Department. Our earnings are passed on to the membership in the form of better rates, costs, and services. and also The Buffalo Police Federal Credit Union strives to provide quality financial services
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