Question 1

Does Calexico qualify for USDA loans?

Accepted Answer

Most residential areas in Calexico meet USDA rural eligibility. Run the address through the USDA eligibility map or ask us to check it.

Question 2

What's the income limit for USDA in Imperial County?

Accepted Answer

Limits are set at 115% of area median income for Imperial County. Income limits vary by household size — larger households get a higher cap.

Question 3

Can I use USDA to buy a home near the border?

Accepted Answer

Yes, as long as the property is in an eligible area and meets USDA's habitability standards. Location near the border doesn't disqualify a property.

Question 4

How does USDA mortgage insurance compare to FHA?

Accepted Answer

USDA charges a 1% upfront fee and 0.35% annual fee. FHA charges 1.75% upfront and 0.55% annually — USDA is cheaper.

Question 5

Can I qualify with self-employment income in Calexico?

Accepted Answer

Yes, but USDA requires two years of self-employment history and tax returns. All household income counts toward the limit.

Question 6

How long does USDA loan approval take?

Accepted Answer

USDA loans require a second sign-off from the USDA Rural Development office. Add 2–3 weeks beyond a typical loan timeline.

USDA Loans in Calexico — Zero Down in Imperial County