Orange County’s 2023 conforming loan limits increased 12.1% from $970,800 to $1,089,300 for a single-family home. Given the median value of a home in Orange County is more than triple the median values of homes in the US, this can be important for people looking to avoid higher interest rates and down payments that a jumbo loan brings. At $1,089,300 for a single-family home Orange County has the highest max conforming loan limit in the country along with 161 other counties and 10 other counties in California.
2023 Fannie Mae and Freddie Mac Maximum Loan Limits in Orange County
A one-unit is a single-family home, two-unit is a duplex and etc. The one-unit is also the same max as a VA loan limit.
| County Name | State | One-Unit Limit | Two-Unit Limit | Three-Unit Limit | Four-Unit Limit |
| Orange County | CA | $1,089,300 | $1,394,775 | $1,502,475 | $1,867,275 |
If you’re shopping for an expensive home or an average home in a pricey area, and most likely you are in Orange County. You may find that the amount you need to borrow exceeds the loan limits for conforming or traditional loans. These non-conforming loans are called jumbo loans and they are are not secured by government-sponsored entities such as Fannie Mae or Freddie Mac.
The FHFA, which oversees Fannie and Freddie, has announced new conforming loan limits for 2023 in Orange County. This means the limit for how large a loan can be before it’s considered “jumbo” moved higher, which could be a good thing if you’re looking to finance a home priced near the cutoff point.
Use this loan limit calculator to check the current loan limits where you want to buy. This tool allows you to look up the FHA, GSE, conforming and VA mortgage limits for one or more areas, and list them by state, county, or Metropolitan Statistical Area.