FHA loan limits and USDA eligibility for ZIP 96738 — Waikoloa, HI

FHA county loan caps, USDA property eligibility, and USDA household income limits for this ZIP. USDA looks possible here if income is under the cap.

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USDA property eligibility

Likely eligible for $0 down

Based on the ZIP’s geographic center vs USDA ineligible-area boundaries. The official test is the property address.

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USDA income limits

Hawaii County

1–4 person household income limit

$139,150

5–8 person household income limit

$183,700

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2026 FHA loan limits

Hawaii County

1-unit

$586,500

2-unit

$750,800

3-unit

$907,550

4-unit

$1,127,900

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Confirm loan options for this ZIP

Maps and ZIP lookups are a first look. A licensed lender can confirm the address, income, and the official cap.

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Loan options for 96738

A licensed lender can confirm USDA property eligibility, household income, and the FHA county cap for a specific address — then match you if you qualify.

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FAQ for ZIP 96738

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