FHA VS Conventional loan programs in 2025 for El-Centro, Imperial County, California

In 2025, the loan limit for conventional loans in El-Centro, located in the county of Imperial, CA, is set at $647,200. Alternatively, the FHA limit for a single-family residence is $420,680.

The Lendersa® Conventional loan calculator allows you to compare the best current rates between Conventional, FHA, and USDA loans. It helps you ascertain the income, credit rating, reserve amount, and documentation necessary for qualification. Using our comprehensive mortgage tool, you can view Conforming Conventional, USDA, FHA, and VA loans simultaneously, enhancing your ability to choose the ideal program for your financial needs within CA.

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Loan Limits and Down Payment Requirements for 2025 in El-Centro, Imperial, CA

Loan Type Loan Limit Down Payment
Conventional Conforming $647,200 3%
USDA $285,000 0%
FHA $420,680 3.5%

These details apply to the following zip codes: 92243, 92244

Examining Conventional and FHA Loan Options in El-Centro, CA

At Lendersa®, our goal is to ensure you secure the most fitting Conventional, USDA, or FHA loan swiftly, without complication. Select one of three starting paths available to connect with lending programs and matched lenders.

Lendersa USDA loan inquiry and results


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  • First Veterans Capital, LLC.
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  • First Veterans Capital has opened its doors to serve the AZ market with integrity, transparency, and to provide excellent customer service while ensuring low cost, fast turn time, and the most important, adding value to its customers lives! By running lean, we're able to offer hassle free loans
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  • 6909 W Ray Rd 15-109, Chandler, AZ, 85226
  • Apex Home Mortgage LLC is committed to security and privacy of the personal information. This privacy policy applies to that information that you submit via this website, and that Apex Home Mortgage LLC receives via this website. It does not apply to the practices of businesses and people with which we have no affiliation or control.
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  • Union Home Lending LLC 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
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  • "B Home Mortgage is a local, family owned and operated Mortgage Company serving Phoenix and other parts of Arizona since 2005. Founded by Brian Carpenter and his father-in-law Kevin Burk, we have always provided exceptional service at a lower rate and price than everyone else on every type of residential mortgage loan.
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  • TH Mortgage Advisors
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  • "I'm here to solve that for you. Go ahead and download my cheat sheet and I'll give you the inside scoop to make qualifying for a great low rate mortgage EASY. Yes, I really did say easy. When you're ready, the next step in getting a low rate mortgage made easy is to contact me so we can review your unique situation"
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  • summit Lending Solution is to become a nationwide lender serving all 50 states within the next ten years. We hope that you will put our experience and expertise to the test! Please visit our website, check our reviews, visit us on social media or give us a call when you are ready to buy a home or refinance