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Imperial County, California FHA, VA, and USDA Loan Information

Seal of Imperial County, California

Table of Contents

What are the government loan limits in Imperial County, CA?

What parts of Imperial county are eligible for USDA loans?

Do I need flood insurance?

How do I learn about Property Taxes in Imperial County

What is the median home price in Imperial County, CA?

How many people live in Imperial County?

What are the major cities?

How do I see FHA- and VA-Approved homes for sale?

Is there a cost to have a real estate agent represent me?

What closing costs do I need?

How can I get assistance with closing costs?

How to Buy a Home in Imperial

About Imperial County

Approved Condominium Projects in Imperial County

How much of a loan can I qualify for, based on my income?

FAQ

What are the government loan limits in Imperial County?

  • FHA Loan Limit $331,760 (Single family residence) / $424,800 (Duplex) / $513,450 (Triplex) / $638,100 (Fourplex)
  • USDA Loan Limit $257,428
  • VA Home Loan Limit $0 down up to $3,000,000 / 2 open VA loans at one time $510,400 *(Call 888-573-4496 for details).


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What parts of Imperial county are eligible for USDA loans?

Except for the cities of Calexico and El Centro, all of Imperial County is eligible for USDA Rural Development loans.

Eligible Zip Codes: 92227, 92233, 92249, 92250, 92251, 92257, 92259, 92266, 92275, 92281, 92283

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Do I need flood insurance?

The USDA, FHA, and VA all require people to purchase flood insurance on homes located in Special Flood Hazard Areas. Because it is mostly desert, there are not many flood zones in Imperial County. However, those that do exist are mostly along the riverbed and irrigation channels. Your agent can help you to check whether a property lies in a flood hazard area.

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How do I learn about Property Taxes in Imperial County?

The County Assessor for Imperial County is Robert Menvielle. His office is located at:
940 W. Main Street Suite 115 El Centro, CA 92243
The Assessor’s Office is where you can learn about your property taxes and file your statement online. In addition, you can contact the Assessor about appraisals or to see if you qualify for tax relief for disabled veterans, homeowner-occupiers, or senior citizens.


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What is the median home price in Imperial County, CA?

As of February 2020, the median home price in Imperial County is $249,000 and the median household income is $45,834.

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How many people live in Imperial County?

The total population of Imperial County is 181,827. There are about 42 people per square mile in the county. Some of the main employers in the county are in retail, health care, and agriculture.

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What are the major cities?

Imperial County supports seven cities and eight unincorporated communities. Its two largest cities are Calexico and the county seat in El Centro. Other notable communities include the cities of Imperial and Brawley. The county is also home to smaller communities such as Heber and Salton City. It is also home to two Indian Reservations. About a fifth of the county’s population lives in unincorporated areas.

How do I see FHA- and VA-Approved homes for sale?

You can view all of the properties available for sale in Imperial County through the Multiple Listing Service. You can also see approved condos at the bottom of this page.

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Is there a cost to have a real estate agent represent me?

The seller must pay real estate professionals’ commission, not the buyer. This means that, as a homebuyer, there is no cost to have a real estate agent represent you. In fact, it’s a good idea to get your own agent in order to have someone in your corner during the negotiation process.

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What closing costs do I need?


For FHA loans, closing costs can end up being 3-4% of the loan amount. These costs include origination fees from the lender, any discount points purchased for a better interest rate, and pre-paid items like insurance and taxes.

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How can I get assistance with closing costs?

There are several ways to reduce the amount you have to pay at closing. One way is to get down payment assistance. The FHA’s Within Reach program provides grants to help low- and middle-income families with their down payment. There is also the CalHome program, which offers down payment assistance and to reduce or finance other closing costs.

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How to Buy a Home in Imperial County

Are you interested in buying a home in Imperial? This is a step by step guide to all the ins and outs of the homebuying process. For more detail about FHA loans, be sure to check out our complete guide. We also have an in-depth guide to VA loans and the USDA’s Rural Development home loan program.
For now, let’s look at the basic steps to buying a home – and what you’ll have to look out for in Imperial County.

  1. Get in touch with a loan officer – give us a call at 877-432-5626

    We can help you figure out what type of loan you might qualify for. Programs through the VA, USDA, and FHA allow you to buy a home with a small down payment – or no down payment at all. We will also check your credit and income to see how much of a loan you can qualify for. When we do this, we do a “soft pull” on your credit. This is different from an official credit inquiry and won’t hurt your credit score.

  2. Compare loan offers.

    Either call us or fill out the form on this page.

  3. Give your Loan Officer the information they need to find you a loan

    For a purchase loan or cash-out refinance:

    • Your ID
    • Previous two years of W2s
    • Most recent 30 days paystubs
    • Most recent 60 days bank statements
    • Landlord and HR/Payroll Department contact info

    For a refinance loan, you will also need information on the loan you want to refinance.


  4. Compare Loan offers

    Compare the interest rates and APRS – but keep in mind that the fixed- and adjustable-rate mortgages are apples and oranges. Use the Loan Estimate to compare the true costs of each loan, both month-to-month and over the life of the mortgage.

  5. Find a home

    Get connected with a FedHome Loan Centers Real Estate Agent. Once you meet with them to talk about your wants and needs, you can sign up for the property search feed. This will give you alerts about homes for sale in Imperial County. Now you’re ready to preview properties and start touring homes.

  6. Make an offer and negotiate the terms of the sale

  7. Get the necessary and recommended inspections

    Required Inspections:

    • Termite Inspection
    • Well or septic inspections, if applicable
    • We can help you check if your home is in one of the Imperial County flood hazard areas.

    Recommended Inspections:
    Home Inspection, Roof Inspection, Sewer Inspection

  8. Get the home appraised

    Construction loans require a construction appraisal and permit approval

  9. Lock in your interest rate

    Pro Tip: Wait until the appraisal to lock in your loan rates. If it turns out you need to make repairs, it can push the closing back. Then you run the risk of losing that rate or having to pay an extension fee.

  10. Close the deal and get packing!

    You’re ready to go!

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About Imperial County

Located near on the border of Mexico and just east of San Diego, Imperial County is a bustling business hub. Despite the small-town atmosphere, Imperial’s business and community ties cross both state lines and national borders. The county benefits from being close to Los Angeles, Phoenix and Mexicali-Mexico.

Historically, Imperial County made its name as an agricultural giant. To this day, cattle, alfalfa, and onions are the bedrock of the local economy. However, in recent years renewable energy development has become one of the area’s main industries.

The beautiful desert landscape is another factor in Imperial County’s economy. Films like Star Wars: The Return of the Jedi have filmed at the iconic Algodones Sand Dunes. In addition, tourists flock to Anza-Borrego State Park and to the Salton Sea. These unique desert parks provide hiking, rock climbing, and even hot springs.

Doing Business in Imperial County

Thanks to its strong economy, Imperial County has seen growth in both population and housing development over the past two decades. In fact, it is expected to have a population of over 200,000 by the end of 2020.

In addition, Imperial County is located in the Cali-Baja Bi-National Mega Region. This region also includes San Diego, Mexicali, Tijuana, Tecate, and Ensenada. Located along the NAFTA corridor, this Mega Region has access to 5 international airports, 6 border crossings, 5 interstate freeways, and 2 specialized port and rail links. In addition, the affordable land and low cost of living makes doing business in Imperial County easier.

For small businesses in the region that are looking to expand their international trade and export capacity, the Small Business Administration (SBA) offers a chance to do so. There are SBA loans that help small businesses stay competitive in international trade and export.

You can get up to $5 million to purchase equipment, facilities and land or for working capital. SBA loans can also be used to support standby letters of credit for exporters. Businesses in rural areas of Imperial County can also apply for Rural Business Development Grants to help fund their projects.

Entertainment and Culture

The county seat of El Centro is also known for its great shopping and dining. The outlet malls mean that plenty of people make shopping in Imperial County a regular part of their calendar.

In addition, there are many significant historical sites throughout Imperial County. For example, Fort Yuma was built in 1848 during the Mexican-American War. Today, visitors can learn about Southern California History and take in the views of the Colorado River.

The county is also no stranger to cultural events. Be sure to check out a performance by the Blue Angels. The Blue Angels host an air show every year! The Museum of History in Granite is a great place to learn about the local rock formations. You’ll be surprised just how many monuments are made from granite.

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Approved Condos in Imperial County

There are currently no FHA- or VA-approved condos in Imperial County. Nonetheless, if you’re looking for a condo in that area, click here to contact us and we can help you start the condo-approval process. FedHome Loan Centers can get almost any condo approved.

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How much of a loan can I qualify for, based on my income?

Monthly Income Purchase Price
$2,628.90 $195,175.91
$2,832.00 $210,254.55
$3,181.50 $236,202.27
$3,612.00 $268,163.64
$3,985.50 $295,893.18
$4,361.10 $323,778.64
$4,971.90 $369,125.91
$5,761.50 $427,747.73
$6,892.20 $520,625.00
$5,199.60 $368,791.82
$5,743.80 $408,815.91
$6,249.90 $450,287.73
$6,998.10 $501,960.45
$9,776.70 $725,845.91
$5,568.00 $413,381.82
$6,574.80 $488,129.09
$7,569.60 $561,985.45
$5,141.40 $381,710.00
$6,345.30 $471,090.45
$7,639.80 $567,197.27
$8,360.10 $620,674.09
$9,260.70 $687,536.82
$10,095.30 $749,499.55
$12,165.00 $903,159.09
$13,929.60 $1,034,167.27
$17,511.00 $1,300,059.09
$18,406.80 $1,366,506.06

Purchase Price subject to credit and income evaluation.

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