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Calipatria sits deep in Imperial County — one of California's most rural stretches. That geography works in your favor with USDA loans.
Most of Imperial County qualifies for USDA financing. Calipatria is no exception. Zero down payment is a real option here.
0%
Down Payment Required
640 preferred
Min Credit Score
1% of loan
Upfront Guarantee Fee
0.35% of balance
Annual Fee
41%
Max DTI Ratio
USDA Loans in Calipatria
USDA loans require stable income and a credit score of at least 640 for most lenders. Debt-to-income ratios typically need to stay under 41%.
Income limits apply — your household can't earn too much. Imperial County limits are set by USDA and vary by household size.
Local decision guide
Use this guide to connect usda loans eligibility, lender expectations, and local market factors before comparing payment options in Calipatria.
Calipatria sits deep in Imperial County — one of California's most rural stretches. That geography works in your favor with USDA loans.
Most of Imperial County qualifies for USDA financing. Calipatria is no exception. Zero down payment is a real option here.
USDA loans require stable income and a credit score of at least 640 for most lenders. Debt-to-income ratios typically need to stay under 41%.
Not every lender offers USDA loans. Many banks don't bother — volume is low and the process is more involved than conventional loans.
Working with a broker who shops 200+ wholesale lenders matters here. We find USDA-approved lenders who actually close these loans efficiently.
USDA loans have two costs buyers miss: an upfront guarantee fee and an annual fee. Both are cheaper than FHA mortgage insurance.
USDA appraisals are stricter than conventional. The property has to meet condition standards. Know this before you make an offer.
FHA requires 3.5% down. USDA requires zero. In Calipatria, that gap directly decides whether some buyers can close at all.
VA beats USDA for veterans — no fees, no income limits. For non-veterans with moderate income, USDA is the strongest zero-down option available.
Calipatria's low population density is exactly what USDA looks for. Most properties here fall well within eligible zone boundaries.
Imperial County's economy includes agriculture and government jobs. Both can qualify as stable income for USDA underwriting purposes.
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.
USDA sets limits by household size and county. Check the current USDA income limit tool for Imperial County — limits update periodically.
USDA charges a 1% upfront guarantee fee and a 0.35% annual fee. These are lower than FHA insurance costs.
USDA loans typically take 30-45 days. Lender experience matters — an unfamiliar lender can stretch that timeline significantly.
Only if the home meets USDA's minimum property standards at closing. Significant repairs usually disqualify a property outright.
Most USDA lenders want 640 or higher for streamlined approval. Below that, approval is possible but requires more manual underwriting.