Question 1

Is Calipatria eligible for USDA loans?

Accepted Answer

Yes. Calipatria's rural character and population size make it a strong fit for USDA eligibility. Confirm the specific property address on USDA's eligibility map.

Question 2

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

Accepted Answer

USDA sets limits by household size and county. Check the current USDA income limit tool for Imperial County — limits update periodically.

Question 3

Do USDA loans require mortgage insurance?

Accepted Answer

USDA charges a 1% upfront guarantee fee and a 0.35% annual fee. These are lower than FHA insurance costs.

Question 4

How long does a USDA loan take to close?

Accepted Answer

USDA loans typically take 30-45 days. Lender experience matters — an unfamiliar lender can stretch that timeline significantly.

Question 5

Can I use a USDA loan to buy a fixer-upper in Calipatria?

Accepted Answer

Only if the home meets USDA's minimum property standards at closing. Significant repairs usually disqualify a property outright.

Question 6

What credit score do I need for a USDA loan?

Accepted Answer

Most USDA lenders want 640 or higher for streamlined approval. Below that, approval is possible but requires more manual underwriting.

USDA Loans in Calipatria — Zero Down in Imperial County