USDA VS FHA in Whitmore-Village, Honolulu County, HI
As of 2026, the USDA loan cap in Whitmore-Village, which is located in the county of Honolulu, HI, is set at $576,800. Meanwhile, the limit for FHA loans for single-family homes stands at $721,050.
To explore the best rates between USDA and FHA loans, try the Lendersa® USDA loan calculator. It helps you assess the income, credit, reserves, and documentation required for qualification. With our sophisticated mortgage calculator, you can view USDA, FHA, Conforming, and VA loan options side by side, providing clarity on which option in aligns best with your financial needs.
Loan limits and down payment criteria in Whitmore-Village, Honolulu, HI for 2026
Loan Type
Loan Limit
Down Payment
USDA
$576,800
0%
FHA
$721,050
3.5%
Conforming Conventional
$822,375
3%
Exploring USDA and FHA loan choices in Whitmore-Village, HI
The aim of Lendersa® is to ensure you quickly secure either a USDA or FHA loan with utmost ease. You can start with any of the three approaches to link with lenders and discover suitable USDA loan schemes.
A USDA home loan, endorsed by the U.S. Department of Agriculture and often known as a USDA rural development loan, caters exclusively to rural areas. Differing from FHA loans that demand a minimum down payment of 3.5%, USDA loans are available with zero down payment requirement.
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
"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.
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.
67-292 Goodale Avenue, Suite A2, Waialua, HI, 96791
Lends in Hawaii
Waialua Federal Credit Union has been proudly serving the residents of the Waialua community since 1937. The Waialua Federal Credit Union started for the employees of the Waialua Sugar Cane Company and in 1992 the field of membership was changed to include the community of Waialua and Haleiwa.
