Your Property Details
Orange County median: $1,100,000
Orange County Market Snapshot
- Conforming Limit
- $1,149,825
- 5-Year Appreciation
- 35.0%
- Avg Property Tax Rate
- 1.08%
- Est. Annual Tax
- $11,880
Your Equity Position
Current Equity
$440,000
Current LTV
60.0%
Maximum Cash-Out by LTV
Max New Loan
$880,000
Cash Available
$220,000
Max New Loan
$935,000
Cash Available
$275,000
Max New Loan
$990,000
Cash Available
$330,000
5-Year Projection for Orange County
Based on 35.0% historical appreciation in Orange County, California:
Projected Value (5yr)
$1,485,000
Projected Equity Gain
$385,000
Calculations are estimates for educational purposes only. Actual loan amounts depend on credit score, DTI ratio, property appraisal, and lender guidelines. Conforming loan limit for Orange County is $1,149,825 (2026 FHFA). Contact Mo Abdel at (949) 822-9662 for a personalized analysis. NMLS #1426884 | Lumin Lending NMLS #2716106.
City Calculators in Orange County
Anaheim
Median: $875,000
Costa Mesa
Median: $1,050,000
Dana Point
Median: $1,450,000
Fountain Valley
Median: $1,100,000
Fullerton
Median: $925,000
Garden Grove
Median: $850,000
Huntington Beach
Median: $1,250,000
Irvine
Median: $1,350,000
Laguna Beach
Median: $2,850,000
Laguna Niguel
Median: $1,200,000
Laguna Woods
Median: $450,000
Lake Forest
Median: $1,050,000
Mission Viejo
Median: $1,100,000
Newport Beach
Median: $3,200,000
Orange
Median: $950,000
Santa Ana
Median: $780,000
Seal Beach
Median: $1,150,000
Tustin
Median: $975,000
Westminster
Median: $880,000
Yorba Linda
Median: $1,250,000
Aliso Viejo
Median: $950,000
Brea
Median: $975,000
Cypress
Median: $1,025,000
La Habra
Median: $800,000
Los Alamitos
Median: $1,150,000
Placentia
Median: $920,000
Rancho Santa Margarita
Median: $925,000
San Clemente
Median: $1,350,000
San Juan Capistrano
Median: $1,150,000
Stanton
Median: $750,000
Frequently Asked Questions
What is the 2026 conforming loan limit for Orange County, California?
The 2026 FHFA conforming loan limit for Orange County is $1,149,825. Loans above this threshold are classified as jumbo loans and typically require higher credit scores and larger reserves.
How much cash can I take out of my home in Orange County?
Based on the Orange County median home value of $1,100,000, a homeowner with 40% equity could access up to $220,000 through a cash-out refinance at 80% LTV. Your actual amount depends on your home's appraised value and current mortgage balance.
Is a cash-out refinance in Orange County conforming or jumbo?
If your new loan amount exceeds $1,149,825, it's classified as a jumbo cash-out refinance. With Orange County's median home value at $1,100,000, many borrowers qualify for conforming rates. Mo Abdel has access to 200+ wholesale lenders for both conforming and jumbo cash-out products.
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