USDA and FHA Pro and Con in Waipahu, Honolulu County, HI
In the year 2026, 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 .
Loan limits and down payment details for 2026 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.
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.
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2893 Executive Park Dr. Suite 304, Weston, FL, 33331
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