USDA Loan Program

USDA Loans

  • No down-payment – 100% financing
  • 620 minimum credit score – No collection accounts or late payments within the last 12 months or bankruptcy within the last 36 months
  • Must meet income guidelines for County (Hawaii County, 4 person family – Income must not exceed $104,100)
  • Owner-occupied residences ONLY. No income producing properties. Lava zones 3 and above.

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