Orange County FHA Loan Limits 2025
Current FHA loan limits in Orange County allow financing up to $1,089,300 for single-family homes. This high-cost area designation makes FHA loans accessible for most Orange County properties.
2025 Orange County FHA Loan Limits
Single Family
Most OC homes eligible
Duplex (2-unit)
Investment opportunities
Triplex (3-unit)
Multi-family investing
Fourplex (4-unit)
Maximum property size
FHA Loan Coverage by Orange County City
🏠 High Coverage Cities
🏘️ Moderate Coverage Cities
🏖️ Premium Coastal Cities
*Percentages based on current listings under FHA loan limits.Jumbo loans available for properties above limits
Orange County FHA Loan Benefits
Low Down Payment
Just 3.5% down payment required for Orange County homes up to $1,089,300. Perfect for first-time buyers in expensive OC market.
Example: $38,125 down on $1M home
Flexible Credit
580+ credit score qualifies for 3.5% down. 500-579 scores may qualify with 10% down payment.
More forgiving than conventional loans
Gift Funds Allowed
100% of down payment and closing costs can come from family gifts. Great for Orange County families helping first-time buyers.
Family assistance welcome
FHA vs Conventional vs Jumbo Loans in Orange County
| Feature | FHA Loans | Conventional | Jumbo |
|---|---|---|---|
| Loan Limit | Up to $1,089,300 | Up to $1,089,300 | $1,089,301+ |
| Down Payment | 3.5% | 3-20% | 10-25% |
| Credit Score | 580+ | 620+ | 680+ |
| Mortgage Insurance | MIP Required | PMI if <20% down | No MI typically |
| Gift Funds | 100% allowed | Varies | Limited |
Orange County FHA Loan Limits FAQ
What is the FHA loan limit in Orange County for 2025?
The 2025 FHA loan limit in Orange County is $1,089,300 for single-family homes. This represents a significant increase from previous years due to Orange County's high-cost area designation and rising home values.
Can I buy a condo with an FHA loan in Orange County?
Yes! Many Orange County condos qualify for FHA financing, but the condo project must be FHA-approved. The same $1,089,300 limit applies to condos. We can verify FHA approval status for any condo you're considering.
What if the home price exceeds FHA limits?
For homes above $1,089,300, you'll need a jumbo loan. We offer competitive jumbo rates with down payments as low as 10% for qualified borrowers. Many Orange County luxury properties require jumbo financing.
Do FHA loan limits vary by Orange County city?
No, FHA loan limits are consistent across all Orange County cities. However, the percentage of homes within these limits varies significantly - Garden Grove has 95% coverage while Newport Beach has only 25% coverage.