USDA and FHA Pro and Con in Waipio, Honolulu County, HI
For 2026, the USDA loan limit in Waipio, within Honolulu county, HI, is $725,000, while the FHA limit for a single-family home stands at $770,500.
Utilize the Lendersa® USDA loan calculator to compare current USDA versus FHA rates, determining the income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA options side by side, guiding you to choose the best program for your financial situation in .
Loan Limits and Down Payment Requirements for 2026 in Waipio, Honolulu County, HI
Loan Type
Loan Limit
Down Payment
USDA
$725,000
0%
FHA
$770,500
3.5%
Conventional Conforming
$1,089,300
3%
USDA and FHA Loan Selections in Waipio, HI
Lendersa® aims to provide you with optimal USDA or FHA loan options quickly and effortlessly. Choose one of three options to match with lenders and explore USDA loan programs.
A USDA home loan, backed by the U.S. Department of Agriculture, known as the USDA rural development loan, is available exclusively in rural areas. Unlike FHA loans, which demand a down payment of 3.5% minimum, the USDA mortgage requires no down payment at all.
Pearl Hawaii Federal Credit Union (Formerly Pearl Harbor Federal Credit Union; PHFCU) is a not-for-profit, financial cooperative. PHFCU has built a solid foundation to provide affordable financial services, financial products, technical assistance, and educational resources to current members as well as to all who reside on the island of O'ahu.
94-1024 Waipio Uka St, Suite 207, Waipahu, HI, 96797
Lends in Hawaii
Aloha Lending Services is a locally-owned, family-run Hawaiian mortgage company. Shannon M. Taparra is the Principal Broker. We offer the best mortgage tools available on the Internet - easy, convenient, on-line shopping for the best loan programs and most current rates available,
Since 2007, Hawaii VA Loans has helped veterans become homeowners by utilizing their VA loan benefits. Hawaii VA Loans has two locations, one in Kapolei and another in Kailua, and our dedicated team of VA Loan Specialists are ready to work with you!
We are residential mortgage lender that specializes in helping Veterans become homeowners.
Ohana Mortgage Solutions was started with the hope of enabling local families to become homeowners. Additionally, we wanted to embody the values of aloha and ʻohana in our business. That’s why we take some of the profits from every loan and partner directly with programs helping Hawaii’s children in the foster care system.
2176 Lauwiliwili Street, Suite 1, Kapolei, HI, 96707
Lends in Hawaii
Living in Hawaii has a very high cost. That’s why High Five Lending wants to help you get the best loan possible for your home. We have the experience and expertise to get you affordable rates at the right place. Life is already complicated, From empty nest moving to military moves.
91-110 Hanua Street, Suite 206, Kapolei, HI, 96707
Lends in Hawaii
Cornerstone Mortgage opened at the start of the mortgage meltdown in 2008 which spurred the worst economic crisis in at least a generation. We started as a one person branch office of a local lender and we have grown to be one of the top producing mortgage bankers in our area. Today we have offices in California, Hawaii and Nevada.
91-1202 Renton Road, Suite A, Ewa Beach, HI, 96706
Lends in Hawaii
Ewa Federal Credit Union was chartered on February 5, 1937 by an agency of the Federal government, then the Farm Credit Administration. With $80 in shares, sixteen charter members held their first organization meeting in the sugar plantation's Administration building. Membership drives were held in the various villages which produced 308 members
"In 2006, Ed and Bernie stepped out in faith and started Solid Rock Home Loans, with a vision to bring honesty and excellence to the mortgage lending in Hawaii. In 2019, Solid Rock Home Loans celebrates their 13 year anniversary having the honor to help many families dreams come true through homeownership."
HI Velocity Mortgage was started with the vision to offer great rates with exceptional service. We strive to simplify the mortgage process while tailoring to your specific financial goals. and also HawaiiVALoans. He has a wide variety of experience finding his clients’ needs and helping them fulfill their home buying goals.
Mahalo Mortgage is a kama‘aina company that offers a diverse range of loan programs, including government products such as FHA, VA and USDA. These programs provide qualifying individuals lower down payment options as well as increased flexibility in credit and income requirements
