• Hawaii USDA Home Loan


    Most Hawaii home buyers are initially attracted to a Hawaii USDA home loan for the zero-down feature of the loan program. The zero-down option is just one of the many benefits of A Hawaii USDA loan.

    USDA features and benefits: 

    Zero Down

    Possible to close with no cash due at closing 

    FICO scores as low as 620 still qualify for a low rate 

    Lowest closing cost of all the government sponsored loan programs

    What are USDA Home Loans?

    A USDA Mortgage provides a low-cost insured home mortgage loan that suits a variety of options for buyers planning to live in a rural area (Email us to determine if your property is in a rural area). A USDA mortgage is likely the best home loan option if you want to purchase a home with no down payment. If you're unsure about your credit rating, or have concerns regarding your down payment, USDA Rural Mortgage Loans can offer you piece of mind with zero-down, super low to no closing costs, and the lowest loan fees of all the government sponsored loans.

    Offering: USDA Guaranteed Rural Housing Loans

    USDA Guaranteed Home Mortgage Loans are the most common type of USDA Loan in Hawaii. The USDA loan program allows for higher income limits and 100% financing for home purchases. (Email us today to determine if your income is eligible for a USDA loan). USDA Guaranteed Loan applicants are allowed an income of up to 115% of the median household income for the area. All USDA Guaranteed Loans carry 30 year terms and are set at a fixed rate.


    State of Hawaii USDA Income Limits by County

    Oahu - Urban Honolulu
    Programs 1 person 2 person 3 person 4 person 5 person 6 person 7 person 8 person*
    Very Low Income $40,850 $46,650 $52,500 $58,300 $63,000 $67,650 $72,300 $77,000
    Low Income $66,300 $75,750 $85,250 $94,700 $102,300 $109,850 $117,450 $125,000
    Mod. Inc-Guar.Loan** $136,150 $136,150 $136,150 $136,150 $179,700 $179,700 $179,700 $179,700
     
    Maui
    Programs 1 person 2 person 3 person 4 person 5 person 6 person 7 person 8 person*
    Very Low Income $33,050 $37,800 $42,500 $47,200 $51,000 $54,800 $58,550 $62,350
    Low Income $52,850 $60,400 $67,950 $75,500 $81,550 $87,600 $93,600 $99,650
    Mod. Inc-Guar.Loan** $108,550 $108,550 $108,550 $108,550 $143,300 $143,3000 $143,300 $143,300
     
    Hawaii (Big Island)
    Programs 1 person 2 person 3 person 4 person 5 person 6 person 7 person 8 person*
    Very Low Income $27,500 $31,400 $35,350 $39,250 $42,400 $45,550 $48,700 $51,850
    Low Income $43,950 $50,250 $56,500 $62,800 $67,800 $72,850 $77,850 $82,900
    Mod. Inc-Guar.Loan** $95,900 $95,900 $95,900 $95,900 $126,600 $126,600 $126,600 $126,600
     
    Kauai
    Programs 1 person 2 person 3 person 4 person 5 person 6 person 7 person 8 person*
    Very Low Income $31,800 $36,350 $40,900 $45,400 $49,050 $52,700 $56,300 $59,950
    Low Income $55,000 $62,850 $70,700 $78,550 $84,850 $91,100 $97,400 $103,700
    Mod. Inc-Guar.Loan** $112,900 $112,900 $112,900 $112,900 $149,050 $149,050 $149,050 $149,050
  • *Add 8% of 4 person limit for each person in excess of 8 persons.

    **Moderate income is defined as the greater of 115% of the U.S. median family income or 115% of the average of the state-wide and state non-metro median family incomes or 115/80ths of the area low-income limit.