Question 1

Does Brawley qualify for USDA loans?

Accepted Answer

Parts of Brawley may qualify. Use the USDA eligibility map to confirm the specific property address before applying.

Question 2

What are the USDA income limits in Imperial County?

Accepted Answer

USDA income limits vary by household size and county. Contact us — we pull the current limits for Imperial County directly.

Question 3

Which loan has lower mortgage insurance?

Accepted Answer

USDA annual fees run lower than FHA's 0.85% rate. Over a 30-year loan, that difference is significant.

Question 4

Can I use USDA or FHA on a fixer-upper?

Accepted Answer

FHA has a 203k rehab option for fixer-uppers. USDA does offer a repair loan program, but it has stricter conditions.

Question 5

Do both loans require owner-occupancy?

Accepted Answer

Yes. Both FHA and USDA require the home to be your primary residence. Neither works for investment properties.

FHA vs USDA Loans in Brawley, CA