Question 1

Does Imperial, CA qualify for USDA loans?

Accepted Answer

Most of Imperial and surrounding Imperial County meets USDA rural area criteria. Always verify your specific property address on the USDA eligibility map.

Question 2

What is the income limit for USDA loans in Imperial County?

Accepted Answer

Limits vary by household size. The USDA sets county-specific caps — a household of four has a higher limit than a household of two.

Question 3

How is USDA different from FHA in Imperial?

Accepted Answer

USDA requires zero down payment. FHA requires 3.5%. Both are government-backed, but USDA has income and location restrictions FHA does not.

Question 4

Can I buy a manufactured home with a USDA loan?

Accepted Answer

Some manufactured homes qualify, but the property must meet USDA condition standards. Not all lenders will approve manufactured housing under this program.

Question 5

How long does USDA loan approval take in California?

Accepted Answer

Expect 30-45 days minimum. USDA must issue a final commitment on top of standard lender underwriting, which adds time to your closing.

Question 6

Does USDA require mortgage insurance?

Accepted Answer

USDA charges an upfront guarantee fee and an annual fee. These replace traditional mortgage insurance and are typically lower than FHA's MIP. Rates vary by borrower profile and market conditions.

USDA Loans in Imperial, CA — Zero Down, Real Eligibility