In 2026, the USDA loan cap in Wailuku, Maui county, HI reaches $725,000, while the FHA cap for a single-family residence is $977,500.
Utilize the Lendersa® USDA loan calculator to contrast today’s top USDA and FHA rates. Assess the necessary income, credit, reserves, and documents required for qualification. Our advanced mortgage calculator offers a side-by-side comparison of USDA, FHA, Conforming, and VA loans to aid you in selecting the best program for your financial needs in Alabama.
Compare offers from 100 lenders
| Loan Type | Loan Limit | Down Payment |
| USDA | $725,000 | 0% |
| FHA | $977,500 | 3.5% |
| Conventional Conforming | $1,089,300 | 3% |
Lendersa® is committed to securing the optimal USDA or FHA loan for you promptly and effortlessly. Choose from these three pathways to connect with matching lenders and USDA programs.
A USDA home loan, backed by the Department of Agriculture—also known as a USDA rural development loan or mortgage—is 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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