USDA VS FHA in Waipio-Acres, Honolulu County, HI

In 2026, the USDA loan limit for Waipio-Acres, within the county of Honolulu, HI, is set at $576,800. In comparison, the FHA limit for a single-family home is $721,050.

Leverage the Lendersa® USDA loan calculator to effectively contrast today's top USDA and FHA rates, and assess the income, credit, reserves, and documentation necessary to qualify. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA options side by side, helping you decide which program in is most suitable for your financial situation.

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2026 Loan Limits & Downpayment Requirements in Waipio-Acres, County of Honolulu, HI

Loan Type Loan Limit Down Payment
USDA $576,800 0%
FHA $721,050 3.5%
Conventional Conforming $822,375 3%

Exploring Your USDA and FHA Loan Options in Waipio-Acres, HI

Lendersa® aims to secure the best USDA or FHA loan for you quickly and without hassle. Choose from one of three initial strategies to connect with lenders and explore USDA loan programs effectively.

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What Exactly is a USDA Loan in HI?

The USDA home loan, also known as the USDA rural development loan or USDA mortgage, is secured by the U.S. Department of Agriculture and is available only in rural areas. Unlike FHA loans, which require a 3.5% minimum down payment, USDA mortgages require no down payment.

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



  • Preferred Mortgage Corporation of New York
  • 1674 Empire Blvd, Suite 200, Garden City, NY, 14580
  • We’re a full service mortgage broker based in Rochester, NY specializing in all residential loan types including FHA, VA, USDA, Conventional, & Jumbo loan programs.We serve all of New York State including cities such as Buffalo, Syracuse, Albany, Binghamton & New York City.Whether you’re buying an existing home,building a new home, or refinancing

  • Tier One Mortgage, LLC
  • 1120 Crosspointe Lane, Suite 4B, Webster, NY, 14580
  • Our mortgage team members will give you the individual attention you deserve & treat you with the respect due a valued customer.We understand you're making a commitment in purchasing a home, refinancing a mortgage or tapping into your home equity.So we make a promise to you:we will help you qualify, apply and be approved for the ideal mortgage loan

  • Fidelity Mortgage Lending Inc
  • 8255 Lake Underhill Road, Orlando, FL, 32825
  • We are a residential home loan mortgage brokerage and our goal is to be your lender for life! Personal Consultation - We provide a personal consultation so that we can get to know you. We listen carefully to your needs and your goals so that we can use this information to best assist you.

  • Sibley Mortgage Group LLC
  • 10959 Dylan Loren Circle, Orlando, FL, 32825
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.

  • Kohler Mortgage LLC
  • 1906 Winding Oaks Drive, Orlando, FL, 32825
  • At Kohler Mortgage, we are committed to finding you the most competitive financing options, whether buying a home or refinancing a current loan. We have access to a variety of programs and will assist you in selecting the best financing options available. We work directly with wholesale lenders which offers us low wholesale rates passed

  • The Mortgage Market Financial Group Inc
  • 4305 Neptune Road, Saint Cloud, FL, 34769
  • At The Mortgage Market Financial Group Inc, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We work with more than 100 investors

  • Volusia Mortgage
  • 5889 S. Williamson Blvd., Suite 1320, Port Orange, FL, 32128
  • We are dedicated to becoming the leading provider of residential mortgage loans in Volusia County, Florida. We will accomplish this by providing superior service and value to our clients while adhering to high standards of integrity, ethics, and accountability in all we do. We live here, we work here. Neighbors helping neighbors.

  • Sandy Inosencio
  • 5889 S. Williamson Blvd. Ste. 210, Port Orange, FL, 32128
  • "Established 1994Sandra Inosencio is your premier mortgage professional located in Port Orange, Florida. We pride
    ourselves on offering some of the lowest rates nationwide and make the loan process simple,
    straightforward and fast for borrowers seeking a mortgage in the Florida area."

  • FAIRWINDS Credit Union
  • 3087 N. Alafaya Trail, Orlando, FL, 32826
  • We are the financial that doesn’t want you to have any debt. We offer solutions and advice to help you on your journey to financial freedom. FAIRWINDS Credit Union is Federally Insured by NCUA. We will not address specific member service issues or complaints through our social media channels.

  • First Choice Lending
  • 14365 East Colonial Drive, Orlando, FL, 32826
  • First Choice Lending has gathered a team of experienced professionals under one roof, providing each client with step-by-step customer guidance from the initial inquiry until the purchase of their dream home. All in an atmosphere of mutual respect, professionalism and dedication. First Choice Lending; making a difference!