Orlando is one of the fastest-growing metros in Florida, driven by theme park tourism, aerospace and defense, healthcare, and a rapidly expanding technology sector. The greater Orlando MSA includes Lake County, Osceola County, and Seminole County. Strong first-time buyer and DSCR short-term rental markets.
Orlando blends a tourism-driven STR market with massive primary residence demand from new residents relocating from the Northeast. The 2026 conforming loan limit is $832,750 and the FHA limit is $541,287, covering most Orlando purchase scenarios. STR regulations are active in Orlando; DSCR investment loans remain available for qualifying rental properties.
The 2026 conforming loan limit in Orange County is $832,750, covering most Orlando home purchases. FHA buyers work within Florida's $541,287 floor — 3.5% down, flexible credit, and no income limit for qualifying. Short-term rental regulations are active in Orlando — DSCR and investment financing remains available, but buyers should confirm current STR permitting before purchasing income-targeted properties.
Anything above $832,750 in Orlando needs jumbo financing. See the full breakdown of Orange County loan limits for conforming, FHA, and VA figures by unit count.
| Loan Type | 2026 Limit |
|---|---|
| Conforming | $832,750 |
| FHA | $541,287 |
| VA | No limit (full entitlement) |
| Jumbo | Above $832,750 |
FHA and conventional are the dominant programs for primary residence buyers. DSCR loans are extremely active in the Disney/Universal vacation home corridor (Kissimmee, Davenport, Champions Gate). Foreign national mortgages are active in vacation rental markets.
Side-by-side breakdowns for the programs Orlando buyers weigh most often.
STR Note — Short-term rental regulations are active in Orlando. DSCR investor financing is still available; confirm STR permits before purchase.
We're licensed in both Colorado and Florida — one broker, both states. Most of our Florida clients close fully remotely with e-sign and mobile notary. No office visit required.
Dr. Phillips, Winter Park, Lake Nona, College Park, Thornton Park, Kissimmee, Celebration, Davenport
The 2026 conforming loan limit in Orange County is $832,750. The FHA limit is $541,287. VA loans have no county loan limit for borrowers with full entitlement. Loans above the conforming limit require jumbo financing.
Down payment requirements depend on the loan: 0% for VA and USDA (where eligible), 3.5% for FHA, 3–5% for conventional first-time buyers, 10–20% for jumbo loans, and 20–25% for DSCR investor loans.
Yes — Tayton Capital is licensed in both Colorado and Florida. We close fully remote using e-sign and mobile notary at closing. Most out-of-state buyers never need to visit our office.
Yes. DSCR loans qualify based on the property's rental income — not your W-2 or tax returns. They're available for single-family, condos, and 2–4 unit properties in Orlando with a minimum 20–25% down payment.
Get pre-approved in minutes — we'll follow up the same day with loan options tailored to Orange County.
Median: $365,000
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Tell us a little about you and we'll reach out personally — usually within one business day.
Or call (970) 708-9624