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San Clemente is the southernmost city in Orange County, known for its beaches, pier and Spanish Colonial architecture. Homes range from older beach-area cottages to larger hillside properties.
Conforming and FHA limit for a one-unit home. Above this is a jumbo loan.
What to know before you shop.
Many homes here are older and some are second homes, so appraisal, insurance and condition questions come up often. Coastal properties can also involve flood or other coverage requirements, and older houses may need updates after purchase.
Prices in San Clemente can exceed the Orange County limit of $1,249,125, which makes jumbo financing a common option. Second-home purchases and renovation projects each have their own loan rules, so it is worth choosing the loan around how you will actually use the home.
Pick a program to see how it works and what it takes to qualify.
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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California property tax starts at 1% of the assessed value, and local voter-approved charges can push the total higher. Add homeowners insurance, any HOA dues and mortgage insurance if it applies, and your real monthly cost can be above principal and interest. Try the mortgage payment calculator or the affordability calculator.
If you are buying near the coast, get insurance quotes early. Coverage requirements and costs can change the monthly payment you can afford.
Short answers to what buyers ask most.
It can be. If the loan amount is above $1,249,125 for a one-unit home, it is a jumbo loan.
Yes. Second homes have their own down payment and reserve requirements.
A renovation loan can combine the purchase price and improvement costs in one mortgage.
Check your numbers with the mortgage calculators, or talk it through with a loan officer.
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.