USDA VS FHA in Wailuku, Maui County, HI

In 2025, 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.

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2025 Loan Limits and Down Payment Requirements in Wailuku, Maui county, HI

Loan Type Loan Limit Down Payment
USDA $725,000 0%
FHA $977,500 3.5%
Conventional Conforming $1,089,300 3%

Options for USDA and FHA Loans in Wailuku, HI

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.

Lendersa USDA loan request and matching results

Understanding USDA Loans in HI

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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