USDA and FHA Pro and Con in Waimea, Hawaii County, HI
In 2026, the USDA loan cap for Waimea in the county of Hawaii, HI stands at $600,000, whereas the FHA ceiling is $517,500 for single-family properties.
Utilize the Lendersa® USDA loan calculator to assess today's premier USDA vs. FHA rates, and figure out the necessary income, credit, reserves, and documentation for eligibility. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA alternatives side by side, aiding in selecting the optimal plan for your financial needs in .
2026 Loan Limits and Down Payment Conditions in Waimea, Hawaii County, HI
Loan Type
Loan Cap
Down Payment
USDA
$600,000
0%
FHA
$517,500
3.5%
Conventional Conforming
$1,089,300
3%
Exploring USDA and FHA Loan Solutions in Waimea, HI
The aim of Lendersa® is to swiftly find the most favorable USDA or FHA loans without hassle. Select one of three initial steps to connect with lenders and explore USDA loan offers.
A USDA home loan, backed by the Department of Agriculture, also known as a USDA rural development loan, is offered only in rural areas. Unlike FHA loans which require at least a 3.5% down payment, USDA mortgages do not need any 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
