USDA Vs. FHA your options comparison in Wailua-Homesteads, Kauai County, HI
As of 2025, the USDA loan limit for Wailua-Homesteads, situated in Kauai county, HI, is set at $575,900. In contrast, the FHA limit for a single-family home is $719,900.
Utilize the Lendersa® USDA loan calculator to compare today's optimal USDA versus FHA rates. This tool helps determine the income, credit requirements, reserves, and necessary documentation needed for loan qualification. With our advanced mortgage calculator, you will see these options side by side, including the USDA, FHA, Conforming, and VA loans, aiding in your decision as to which program best suits your financial scenario in .
2025 Loan Limits and Downpayment Requirements in Wailua-Homesteads, County of Kauai, HI
Loan Type
Loan Limit
Down Payment
USDA
$575,900
0%
FHA
$719,900
3.5%
Conventional Conforming
$822,375
3%
Exploring USDA and FHA Loan Options in Wailua-Homesteads, HI
The primary goal of Lendersa® is to obtain the best possible USDA or FHA loan for you with speed and minimal effort. Choose one of three effective starting strategies that connect you with lenders and help you navigate through USDA loan programs.
The USDA home loan, commonly referred to as a USDA rural development loan or USDA mortgage, is backed by the U.S. Department of Agriculture. These loans are exclusively accessible in rural areas. Unlike FHA loans, which necessitate a minimum down payment of 3.5%, there is no down payment required for USDA loans.
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