USDA and FHA Pro and Con in El-Centro, Imperial County, CA
As of 2026, the USDA loan limit in El-Centro, located in Imperial County, CA, stands at $285,000. Meanwhile, for a single-family home, the FHA limit is $356,362.
Leverage the Lendersa® USDA loan calculator to make comparisons between today's top USDA and FHA rates to determine the income, credit, reserves, and documents required to qualify. You can view a detailed side-by-side of USDA, FHA, Conforming, and VA options with our advanced mortgage calculator, ensuring you identify the best program for your unique financial scenario in .
2026 Loan Limits and Down Payment Requirements in El-Centro, Imperial County, CA
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Discovering USDA and FHA Loan Options in El-Centro, CA
Lendersa® is committed to securing you the optimal USDA or FHA loan quickly and hassle-free. Choose from one of three starting points to find matching lenders and appropriate USDA loan programs.
The USDA home loan, guaranteed by the U.S. Department of Agriculture and also referred to as a USDA rural development loan, is exclusive to rural areas. In contrast with FHA loans requiring a minimum down payment of 3.5%, USDA loans require no down payment.
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 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
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 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.
The team here at Community Valley Bank strives to provide the best service possible to our customers. Come visit with one of our team members to see if we can provide your needs for you! At Community Valley Bank, we understand the personal nature of your financial decisions. We offer a complete menu of deposit, lending, and investment products.
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,
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
Fouts Financial, Inc. is a corporation owned by Robert Morgan Fouts, and is licensed to provide real estate financing by the Department of Real Estate of the State of California since 1985. It is also licensed in Hawaii, and Washington Fouts Financial provides mortgage brokerage services for residential, commercial, construction.
