Orange County, Florida loan limits — 2026.
Orlando, Winter Park, Lake Nona, Windermere, Dr. Phillips, Apopka, Ocoee.
2026 loan limits at a glance
Orange County uses the standard conforming limit and the FHA national floor — both meaningful for first-time and move-up Orlando buyers.
| Program | 1-unit | 2-unit | 3-unit | 4-unit |
|---|---|---|---|---|
| VA (full entitlement) | No limit | No limit | No limit | No limit |
| VA (partial entitlement) | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Conforming (Fannie / Freddie) | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| FHA | $541,287 | $692,850 | $837,400 | $1,040,800 |
| Jumbo | > $832,750 | > $1,066,250 | > $1,288,800 | > $1,601,750 |
Picking the right program in Orlando
First-time buyers: FHA at 3.5% down works for most Orlando-area homes under $541,287. Conventional 3–5% down is competitive for stronger credit profiles.
Lake Nona, Windermere, Dr. Phillips luxury: Jumbo for purchases above $832,750. 10% down jumbo on primary for 700+ credit.
Short-term rentals (Disney corridor): DSCR loans qualify on projected income. We've closed many STRs in Kissimmee, Davenport, and Lake Nona where zoning permits.
New construction: Extended-lock financing and one-time-close construction loans for custom builds.
Orange County loan FAQs
What is the 2026 conforming loan limit in Orange County, FL?+
Orange County (Orlando) uses the standard 2026 conforming loan limit of $832,750 for a single-family home. Orange is not classified as a high-cost area by FHFA.
What is the 2026 FHA loan limit in Orange County?+
The 2026 FHA one-unit loan limit in Orange County is $541,287 — the FHA national floor. Most Orlando-area median sale prices fall under this cap, so FHA is a strong option for first-time buyers.
What is the 2026 VA loan limit in Orange County, FL?+
Veterans with full VA entitlement have no hard loan limit and can borrow above $832,750 with zero down. Veterans with partial entitlement are capped at $832,750.
When do I need a jumbo loan in Orlando?+
Any loan above $832,750 in Orange County is jumbo. Lake Nona luxury homes, Windermere, Dr. Phillips, and downtown Orlando high-rises above the median often require jumbo financing.
Can I finance an Orlando short-term rental?+
Yes. Orange County has specific zoning for STRs — much of it permitted near Disney in the Kissimmee/Davenport corridor and parts of Lake Nona. We finance these with DSCR loans that qualify on projected nightly income.
Do you handle new construction in Orlando?+
Yes — both extended-lock financing for builder contracts (60–90 day locks with float-down) and one-time-close construction loans for custom builds.
Buying in Orlando?
FHA, conventional, jumbo, or DSCR — priced and quoted in 24 hours.