USDA Vs. FHA your options comparison 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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  • "Trona Valley Federal Credi union Founded in 1963. Now, serving Sweetwater, Lincoln, Uinta, Sublette, Carbon, and Teton Counties in Wyoming and Rich, Morgan, Daggett, and Summit Counties in Utah. Mission Statement: Trona Valley is a caring partner dedicated to your financial success. Branch locations in Green River, Rock Springs, and Evanston"
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  • First New Mexico Bank came to life in Deming in 1962, under its charter name, Deming National Bank. The bank was first located on the corner of Silver Avenue and Pine Street in which Marie's Italian Grill now resides. In November of 1973, the bank moved into a new building at our present location on 300 South Gold Avenue.
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  • High Desert Community Credit Union
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  • Our Mission Statement is to promote thrift among it’s Members and to create a source of Credit that is easily accessible by the Membership. High Desert Community Credit Union is a member of NCUA. They insure your deposits just as the FDIC does for banks. We moved into our new location at 321 S. Main in Aztec, NM on May 17, 2019.
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  • Sunlight Federal Credit Union
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