USDA Vs. FHA your options comparison in Waikoloa-Village, Hawaii County, HI
In 2026, the USDA loan limit for Waikoloa-Village, county of Hawaii, HI is $391,000, while the FHA limit is $408,250 for a single-family home.
Employ the Lendersa® USDA loan calculator to compare the best rates between USDA and FHA available today. This tool helps determine income, credit, reserves, and documentation necessary to qualify. By using our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA loans side by side, aiding in choosing the best program for your financial situation in .
2026 Loan Limits & Downpayment Requirements in Waikoloa-Village, County of Hawaii, HI
Loan Type
Loan Limit
Down Payment
USDA
$391,000
0%
FHA
$408,250
3.5%
Conventional Conforming
$822,375
3%
Exploring USDA and FHA Loan Options in Waikoloa-Village, HI
Lendersa®'s mission is to quickly secure the best USDA or FHA loan for you without hassle. Choose one of three initial paths that connect you with lenders and USDA loan programs.
The USDA home loan is a government-guaranteed loan made by the Department of Agriculture, also known as the USDA rural development loan or USDA mortgage, available only in rural areas. Unlike FHA loans, which require a minimum 3.5% down payment, USDA loans require no down payment.
Hawaii First FCU has been serving our community for 60 years! We serve members island-wide with branches located in Kamuela and Hilo. Our mission statement is “Empowering Our Community by Serving Hawaii First!” and we strive to provide exceptional financial and empowerment services to meet the needs of our members and our community.
67-1153 Mamalahoa Hwy, Suite 3, Kamuela, HI, 96743
Lends in Hawaii
eMortgage Hawaii offers the lowest rates and the fastest turn times in Hawaii. Once you provide us with the requested documents, we will have your conditional loan approval within 24 - 48 hours. eMortgage Hawaii's committed to helping you find the right mortgage product for your needs. We understand that every borrower is different,
By 1991, a decade after acquiring Kohala Federal Credit Union, we became Hawaii Community Federal Credit Union and soon expanded membership to the entire Hawaii Island. We are exponentially larger than we were in the beginning but we continue to hold true to our fundamental philosophy – a group of people joining together to help each other succeed.
At Island Home Capital, our mission is to provide you with the necessary knowledge to make an informed, economic decision. We are committed to quality customer service - putting the people we serve first. Take advantage of our expertise in the residential lending industry by applying online today. You will find that the skill, professionalism
Island Mortgage and Marcelle Loren have built a reputation as an outstanding mortgage loan provider serving the lending needs of homebuyers and homeowners, real estate professionals and builders throughout Hawaii.Having been in the mortgage business since 1976, Marcelle Loren provides expertise in every area of mortgage lending.
Our Credit Union started with very humble beginnings; a group of nine individuals came together to meet one simple need: making credit available to those with small means. Over eighty years later, HFS still holds onto its same sense of 'ohana with a deep desire to help those in our community to succeed and grow.
Hawaii County Employees Federal Credit Union is a cooperative financial institution comprised of people sharing a common bond, i.e. employees of Hawaii County and their families. We are a client-driven local enterprise whose goal is to provide a safe place for our members to save while earning a better return.
CU Hawaii, a federal credit union serving Hawai`i Island. We’re passionate about seeing our members succeed. The spirit of Hawai`i Island is the spirit of possibility. We see the potential in people, businesses and the community and get involved to help turn those possibilities into realities.
In 1936, a group of teachers formed the Big Island Teachers Federal Credit Union. It was the first chartered credit union in the State of Hawaii. In January of 1973, our name was changed to the Big Island Educational Employees Federal Credit Union. Later that year, the word “Employees” was eliminated
Family Mortgage Company of Hawaii, Inc.: Donna Dodd
762 Kanoelehua Ave, Suite C, Hilo, HI, 96720
Lends in Hawaii
Family Mortgage Purchasing or refinancing a house can be a huge undertaking. You can rely on us to lead you to the loan program that's perfect for you. Our team can help you with a myriade of specialty loan programs including Conventional, 100% USDA financing, VA Loans and FHA programs. For assistance in finding the perfect loan program for you
