USDA and FHA Pro and Con in El-Centro, Imperial County, CA
As of 2025, 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 .
2025 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.
Since 1904 we have seen the Great Depression, the Great Recssion and two world wars. We have had 19 different presidents, including 11 republicans and 8 democrats and added 5 states to the union. We've moved from silver certificates to Federal Reserve Notes and done away with the gold standard.
Mortgages on Main has been providing financing to Central Minnesota clients for nearly a quarter century, and we’re proud to be rooted amongst the people who call this area home. With a simple phone call to our office, you’ll be on your way to discovering financial solutions to all of your mortgage needs.
First National Bank of Clarksdale would not be what it is today without you. The roots of our success lie in the fact that we are home-owned and operated, and we do better when you do better. In 1964, when our founding fathers began organizing this new business, they did it with you in mind. From the beginning, they wanted it to be a place.
At First Bank, our mission and values are behind everything we do.
We deliver the financial solutions YOU need!
Since 1864 our priority has been to our customers.
Our doors are open to serve you and to meet your individual financial needs, you are our customers, but you are also our friends and neighbors.
4140 Thielman Lane, Suite 105, Saint Cloud, MN, 56301
Stearns Financial Services Inc. (SFSI) is a well-capitalized, $2.3 billion independent financial holding company based in St. Cloud, MN. Founded in 1912, the bank was acquired by Norm Skalicky in 1964. His daughter Kelly Skalicky became president in 2018, and later was named president and CEO.
1532 West St. Germain Street, Saint Cloud, MN, 56301
Great River Federal Credit Union is dedicated to serving all members in a confidential and professional manner. We are in business to provide you with convenient and efficient financial services. Our mission is "Building lifelong relationships by providing valuable financial services that our members recommend, benefits the community.
Since 1939, Liberty has been providing quality financial services to Central Minnesota residents. As St. Cloud’s only remaining original bank with continuous family-ownership, we recognize our unique obligation to provide quality service on a first name basis. Our focus is providing retail banking services to individual customers.
606 25th Ave South, Suite 101, Saint Cloud, MN, 56301
"St. Cloud Mortgage, Inc. can give you an affordable mortgage with outstanding customer service during the entire process.
Same-Day Pre-Approvals
Refinance Options
Credit Assistance
Mortgage Brokerage
Variety of Home Loan Programs. With all of our home loan programs at St. Cloud Mortgage, Inc."
