USDA VS FHA in Waipahu, Honolulu County, HI

In the year 2025, the USDA loan limit in Waipahu, located in Honolulu county, HI, is set at $725,000. Meanwhile, the FHA limit for a single-family home is $770,500.

To compare today's top USDA versus FHA rates, utilize the Lendersa® USDA loan calculator. Determine the required income, credit score, reserves, and needed documents to qualify. Our enhanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA loan options side by side, enabling you to choose the best program for your financial situation in .

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Loan limits and down payment details for 2025 in Waipahu, Honolulu, HI

Loan Type Loan Limit Down Payment
USDA $725,000 0%
FHA $770,500 3.5%
Conventional Conforming $1,089,300 3%

Available USDA and FHA loan options in Waipahu, HI

Lendersa® is committed to quickly securing the best USDA or FHA loan for you, with minimal hassle. Choose one of the three paths to connect with lenders and explore USDA loan programs.

USDA loan application and matching results from Lendersa

Understanding USDA Loans in HI

A USDA home loan, guaranteed by the U.S. Department of Agriculture, also known as the USDA rural development loan or mortgage, is exclusively available in rural areas. Unlike FHA loans that require a minimum 3.5% down payment, USDA mortgages have no down payment requirement.

Enter your location to find out if it qualifies for USDA rural housing loan?



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