USDA Guaranteed Loans are the most popular rural development mortgage program in Hawaii.  Along with no down payment requirement, USDA loans don’t have set maximum loan limits for the guaranteed mortgage program. Instead, local limits are determined by a combination of the area USDA maximum income limit and the applicant’s debt-to-income ratio.

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This approach means that the maximum loan limits for Guaranteed Loans are variable, with Hawaii USDA income limits playing a major role.  Guaranteed Loan income limits across HI are listed below.

Hawaii USDA Guaranteed Loan Income Limits

1-4 Person Households
5-8 Person Households
Hawaii County, HI$95,900$126,600
Kahului-Wailuku-Lahaina, HI MSA$112,250$148,150
Kauai County, HI$112,900$149,050
Urban Honolulu, HI MSA$138,600$182,950
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