Explore the differences! FHA VS Conventional loan programs in Calipatria, Imperial County, California

As of 2026, the conventional loan limit for Calipatria, in the county of Imperial, CA, is specified as $726,200. For a single-family home, the FHA limit stands at $472,030.

Utilize the Lendersa® Conventional loan calculator to evaluate today’s best rates for Conventional, FHA, and USDA loans, and ascertain the necessary income, credit, reserves, and documentation required for qualification. Our advanced mortgage calculator displays Conforming Conventional loans, USDA, FHA, and VA loans side by side, assisting you in selecting the best program for your specific financial circumstances in CA.

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2026 Loan Limits & Down Payment Requirements for Calipatria, Imperial, CA

Loan Type Loan Limit Down Payment
Conventional Conforming $726,200 3%
USDA $376,500 0%
FHA $472,030 3.5%

The table applies to zip codes: 92233

Explore Conventional and FHA Loan Options in Calipatria, CA

The objective of Lendersa® is to provide you with the best Conventional, USDA, or FHA loan quickly and without hassle. Choose from one of these three starting points to find matching lenders and loan programs.

Results for USDA loan requests and matching by Lendersa


Calipatria Lenders

  • Nava Commercial Capital & Real Estate Inc.
  • 578 G Street, Brawley, CA, 92227
  • Lends in California
  • At Nava Commercial Capital & Real Estate Inc. We are a full-service mortgage company based in Brawley, California. We specialize in Residential Loans, Hard Money, Commercial Loans, and Business Loans. Whether you are buying a home or refinancing, we can help you realize your dream of home ownership or save you money

  • Sun Community Federal Credit Union
  • 1068 Broadway, El Centro, CA, 92243
  • Lends in California
  • Sun Community Federal Credit Union was organized on March 9, 1954, as the Imperial Valley U.S. Employees Federal Credit Union, with ten charter members. Over the years, the field of membership was enlarged. In January 1968, the name was changed to Government Agencies Federal Credit Union.

  • First Imperial Credit Union.
  • 1602 W Main St, El Centro, CA, 92243
  • Lends in California
  • First Imperial Credit Union is a credit union located in Imperial County, California who has a mission to deliver quality, affordable financial services with an exceptional member-focused experience. As a not-for-profit financial instituion, FICU gives back to its membership in the way of lower loan rates

  • IV Alliance Mortgage & Real Estate
  • 395 Broadway Avenue, Suite 5, El Centro, CA, 92243
  • Lends in California
  • IV Alliance Mortgage and real Estate our team of professionals will make it easy for you to apply for a loan. Give us a call and speak with one of our representatives. Within a day or two, we’ll be able to give you personalized rate information and a solution tailored to your specific needs.

  • Mr. Mortgage INC
  • 1596 S Imperial Ave, El Centro, CA, 92243
  • Lends in California
  • Mr. Mortgage INC is guided by our adherence to the important values and unique features we offer clients. They are essential, considered to be the DNA of our company. We are trained professionals who take responsibility for delivering excellence as individuals and as team. We focus solely on client’s satisfaction and first impression.

  • American Group
  • 1074 E. Cole Rd, Suite 14, Calexico, CA, 92231
  • Lends in California
  • American Group Realtors has been open for business since 1997. Its professional team of licensed real estate agents, bilingual staff and broker/president, Manny Hernandez, are ready to serve the community at large who is looking to buy or sell in a challenging residential & commercial real estate market,

  • Premier Realty Group Inc
  • 83135 Requa Ave, Suite 3, Indio, CA, 92201
  • Lends in California
  • Lorenzo Rivera has over 14 years of experience in the Real Estate market. He is a licensed Realtor and Mortgage Originator, with experience that spans across the state of California. Lorenzo strives to build a meaningful relationship with every client, ensuring that everyone has a pleasant experience throughout the buying or selling process.

  • Dave Warth Mortgage Broker
  • 79405 Hwy 111, La Quinta, CA, 92253
  • Lends in California
  • Dave Warth Mortgage Broker As a mortgage broker, I work with the wholesale departments of several banks & lenders nationwide so I can offer every type of mortgage available on the market at the best rates and costs. Unlike big banks who only have limited loan programs and sales reps who take your loan application.

  • HACIENDA HOME LOANS Inc
  • 77935 Calle Tampico, La Quinta, CA, 92253
  • Lends in California
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.