No money down
For starters, a USDA loan is one of the only loan programs offered to the general public that allows you to finance 100% of your home’s value. That means no down payment of any kind!
Hawaii USDA Loans
My state-specific information
Eligibility Requirements – Hawaii
Who hasn’t dreamed of living on the sun-kissed beaches of Hawaii? With a USDA home loan, that dream could finally be a reality. For a USDA loan in Hawaii, the average household income limit for a family of 1-4 is $139,000, and for a family of 5 or more it can be as high as $230,750. Curious to learn more? Fill out the form below and one of our USDA loan specialists will help you get started.
Shown on the map below are the areas of Hawaii eligible for USDA loans. For more information on what areas qualify, head to the USDA property eligibility screen.
Hawaii USDA Income Limits (Moderate Income – Guaranteed Loan)
All areas of Hawaii have elevated USDA income limits due to higher housing costs.
| Area | 1–4 Person | 5+ Person |
|---|---|---|
| Hawaii County (Big Island) | $139,000 | $183,500 |
| Kahului–Wailuku–Lahaina, HI HUD Metro FMR Area (Maui County) | $154,800 | $204,350 |
| Kauai County | $158,350 | $209,050 |
| Urban Honolulu, HI MSA (Oahu) | $174,800 | $230,750 |
USDA income limits in Hawaii are based on total household income and household size. This includes income from all adult household members, not just the borrower.
If your total qualifying household income is within the limit for your area and household size, you may qualify for a USDA loan with 100% financing (no down payment required).
Check Your Hawaii USDA Eligibility
USDA loans are available in eligible rural areas throughout Hawaii. We can quickly:
- Verify your household income eligibility
- Confirm the property is in a USDA-eligible location
- Provide a fast payment estimate
Income limits shown are for USDA Guaranteed loans and may change annually. Final eligibility depends on verified household income, household size, and USDA program guidelines.
Because Hawaii income limits are significantly higher than most states, many buyers are surprised they qualify. Complete a quick USDA prequalification to confirm your eligibility.
- NO down payment – Finance 100% of your home
- NO maximum loan amount in Hawaii.
- NO assets needed to qualify
- Flexible credit guidelines
- Competitive, fixed interest rates so payments do not increase
- USDA Loans are for new and existing properties
Start your Hawaii USDA home loan now! Just fill out this quick form to get started & a USDA loan specialist will contact you with your options.
What areas are eligible?
USDA Eligibility Map – Hawaii
USDA Home Loan Features
Great interest rates
USDA loans are made even more affordable through very competitive fixed interest rates, ensuring your payments will not increase every month.
Need a 620 credit score
USDA Loans .Net requires a middle credit score of at least 620. If you are close, apply and we can help.
Affordable 30 year terms
USDA home loans also offers affordable 30 year terms. If you are a first time home buyer, or not, a USDA loan is the perfect fit.
Roll in your closing costs
A USDA loan allows you to finance in your closing costs up to the appraised value. Making the USDA loan the only mortgage on the market with this ability.
Apply today
Start your USDA Loan now! It only takes 30 seconds to see if you qualify.
New Applicants: For questions about a mortgage application currently in process, please reach out to your Mortgage Loan Officer. If you are not sure who your Mortgage Loan Officer is, please email our Mortgage Help Desk at mortgagehelpdesk@magnoliabank.com. Customer Feedback: For complaints or to provide feedback, please email complaints@magnoliabank.com.
This communication does not constitute a commitment to lend or the guarantee of a special interest rate. All loan programs and availability of cash proceeds are subject to credit, underwriting and property approval.
