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Compare loan options, estimate payments and get pre-approved. Pick your city for local notes on property taxes, association dues and the loans that tend to fit best.
Conforming and FHA limit for a one-unit home. Above this is a jumbo loan.
Choose a city to see its local guide.
For 2026, the conforming and FHA loan limit for a one-unit home in Orange County is $1,249,125. Loan amounts above that are jumbo loans, which have their own credit, reserve and down payment guidelines. See our jumbo and conventional pages.
California offers down payment assistance for eligible first-time buyers, such as the CalHFA MyHome Assistance Program, a deferred-payment junior loan available through approved lenders. See first-time buyer programs, then try the cash to close calculator.
Tap a program to learn how it works.
A flexible choice for buyers with solid credit and a down payment, up to the county limit of $1,249,125 for a one-unit home.
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Lower down payment and more flexible credit guidelines, popular with first-time buyers.
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Loan limits and programs change and eligibility depends on credit, income, property and other factors. This page is general information, not a commitment to lend or a rate quote. The $1,249,125 Orange County limit is the 2026 limit for one-unit homes.