Orange County FHA Loans - Just 3.5% Down
Get approved for an FHA loan in Orange County with as little as 3.5% down payment. Licensed broker Mo Abdel (NMLS #1426884) has access to multiple FHA lenders to find you the best rates and terms.
Orange County FHA Loan Benefits
Low Down Payment
As little as 3.5% down payment required
Flexible Credit
Credit scores as low as 580 accepted
Competitive Rates
Government-backed for lower rates
Gift Funds Allowed
Down payment can be gifted from family
Assumable Loans
Buyers can assume your FHA loan
Streamline Refinance
Easy refinancing options available
2025 Orange County FHA Loan Limits
$1,089,300
Maximum FHA Loan Amount in Orange County (2025)
High-cost area designation allows for higher loan limits
Orange County is designated as a high-cost area by HUD, which means FHA loan limits are significantly higher than the national baseline. This allows you to purchase homes up to $1,089,300 with just 3.5% down payment.
Key Facts for Orange County FHA Loans:
- • Minimum down payment: 3.5% of purchase price
- • Mortgage insurance premium: 0.85% annually
- • Credit score minimum: 580 for 3.5% down
- • Debt-to-income ratio: Up to 57% in some cases
- • Property types: Single-family, condos, townhomes
FHA Loans Available in All Orange County Cities
Licensed to serve all Orange County communities with local market expertise
Why Choose Mo Abdel for Your Orange County FHA Loan?
Multiple FHA Lenders
Access to 200+ lenders including top FHA-approved institutions for best rates.
Fast FHA Approvals
18-day average closing time with streamlined FHA processing.
Orange County Expert
15+ years of local experience with Orange County FHA lending.
Get Your FHA Loan Pre-Approval
Licensed Orange County broker Mo Abdel NMLS #1426884
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