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$545,000$600,000 price reduced
WAIKELE · Waipahu · 96797 · MLS 202610614
!!Low Gap VA Loan Assumption Available to ALL buyers!! No VA entitlement, no problem. Welcome Home. Here is a rare opportunity to own in beautiful Waikele with one of the most valuable financing advantages on the market today. Take advantage of an assumable VA loan opportunity that could allow buyers to secure a lower interest rate, reduce cash needed to close, and potentially avoid monthly PMI compared to conventional financing. This inviting home offers comfortable island living in one of Central Oahu’s most convenient communities. Enjoy easy access to Waikele Premium Outlets, dining, grocery stores, parks, golf courses, schools, and freeway connections for a smoother daily commute. The functional layout creates a warm and welcoming atmosphere perfect for relaxing after a long day or entertaining family and friends. Whether you're a first-time buyer, investor, or looking to downsize, this property delivers affordability, convenience, and long-term value in one incredible package. Don’t miss this unique opportunity to own in sought-after Waikele with a financing advantage that's sparcely available in today’s market.
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Mortgage News Daily ↗ · Sep 4, 2026 · checking for updates
National index, adjusted for points; not an APR, zero-point quote, or Hawaiʻi lender offer.
Low-down-payment programs have eligibility requirements. High-balance and jumbo pricing may differ from the national conforming benchmark.
Use two quotes from the same lender: without points and with points. Points do not buy a fixed rate reduction. This models a permanent buydown, not a temporary 2-1 subsidy.
$0 estimated interest saved · 0 months sooner
Payoff in 30 years, 0 months.
Assumes the same fixed rate and extra payment every month from the first payment. Taxes, insurance and fees are separate.
Closing costs and prepaids start at 0 and must be entered for a fuller cash estimate. Subtotal is before earnest-money deposits and approved credits.
Estimated monthly payment · year one
Conventional · 30 years · 6.89% interest
Includes down payment, cash-paid upfront fees, points and entered closing costs/prepaids. Before deposits and credits; not final cash to close.
Oʻahu Home Search and The Ulu Team do not provide a Loan Estimate, rate lock, credit decision, or guarantee of payment through this tool. Rates are national benchmarks or your inputs, not APRs or personalized quotes. Actual rates, points, loan limits, fees and eligibility depend on your lender, credit, income, occupancy, entitlement, property and appraisal.
Models fixed-rate purchase financing for a one-unit home. FHA rules shown are standard forward-loan rules, not Hawaiian Home Lands or other special programs. VA/FHA selection does not establish eligibility. Taxes, insurance, HOA fees, ground rent and assessments may change; omitted or zero costs are excluded. FHA MIP is a year-one estimate and can change; conventional PMI cancellation is subject to lender and servicing rules. Upfront cash is a subtotal, not a closing disclosure. Verify all terms, costs, coverage and credits with a licensed lender, insurer and escrow professional before making a financial decision.
Loan rules: VA · HUD / FHA · CFPB points guide
Listed by eXp Realty
Information is from the Honolulu MLS and sources deemed reliable but is not guaranteed. Square footage, lot size, taxes, permits, and land tenure should be independently verified. Not a solicitation of property already listed.
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