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Brawley sits in the heart of Imperial County — rural by every measure that matters for USDA eligibility.
That geography works in your favor. USDA-designated areas let qualifying buyers skip the down payment entirely.
0%
Down Payment
640
Min Credit Score
1% of loan amount
Upfront Guarantee Fee
0.35% / year
Annual Fee
30–45 days
Typical Close Time
USDA Loans in Brawley
USDA loans have two hard gates: location eligibility and income limits. Brawley clears the first one.
Income limits vary by household size. Most moderate-income families in Imperial County fall within USDA guidelines.
Local decision guide
Use this guide to connect usda loans eligibility, lender expectations, and local market factors before comparing payment options in Brawley.
Brawley sits in the heart of Imperial County — rural by every measure that matters for USDA eligibility.
That geography works in your favor. USDA-designated areas let qualifying buyers skip the down payment entirely.
USDA loans have two hard gates: location eligibility and income limits. Brawley clears the first one.
Not every lender offers USDA loans. Many banks skip them entirely due to the processing requirements.
At SRK CAPITAL, we work with 200+ wholesale lenders — including USDA-approved shops that close these routinely.
USDA files take longer than conventional loans. Budget 30 to 45 days minimum. Some rural lenders stretch past 60.
The guarantee fee — USDA's version of mortgage insurance — is 1% upfront and 0.35% annually. Roll the upfront cost into the loan and keep cash in your pocket.
FHA requires 3.5% down. Conventional requires at least 3%. USDA requires nothing — that's a real difference in Brawley.
The tradeoff is stricter location and income rules. If you qualify, USDA is almost always the better deal for buyers with limited savings.
Imperial County median incomes are below state averages. That actually helps — USDA income limits are set locally, so more buyers qualify here than in coastal markets.
Agriculture drives the local economy. Many Brawley households have seasonal or mixed income. We can help document that income properly for USDA underwriting.
Yes. Brawley qualifies as a USDA-eligible rural area. Confirm your specific address at the USDA eligibility map before applying.
Limits vary by household size and are set locally. Imperial County limits are generally more accessible than in coastal California counties.
The property must be in good condition and pass a USDA appraisal. Major repairs typically need to be completed before closing.
USDA charges 0.35% annually vs. FHA's 0.55%. Over a 30-year loan, that difference adds up significantly.
Plan for 30 to 45 days. USDA files require an extra approval step that adds time compared to conventional loans.
Seasonal income can qualify with proper documentation. Two years of tax returns and employer letters are typically required.