USDA Vs. FHA Pro and Con comparison in Waikele, Honolulu County, HI

As of 2025, the USDA loan limit in Waikele, within the county of Honolulu, HI, is set at $725,000. For a single-family home, the FHA limit is $770,500.

Utilize the Lendersa® USDA loan calculator to compare today's leading USDA and FHA rates. Determine the income, credit, reserves, and other documents necessary for qualification. Our advanced mortgage calculator offers a side-by-side view of USDA, FHA, Conforming, and VA loans to help you choose the best program for your financial circumstances in .

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Loan Limits & Downpayment Requirements for 2025 in Waikele, Honolulu, HI

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

Exploring USDA and FHA Loan Opportunities in Waikele, HI

The goal of Lendersa® is to swiftly secure you the best USDA or FHA loan without hassle. Choose from one of three starting points that guide you in matching with lenders and USDA loan options.

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Understanding the USDA Loan Program in HI

A USDA home loan, also known as a USDA rural development loan or USDA mortgage, is guaranteed by the Department of Agriculture and is available exclusively in rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA loans do not require any down payment.

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



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