Here are Orange County’s and all California counties 2023 conforming loan limits. The 2023 conforming loan are going from $647,200 to $726,200 for a single-family home in 2023. That’s an increase of 12% year over year. In contrast, the increase from 2021 to 2022 was 18.05%. Orange County’s conforming loan limit is $1,089,300.
There are 58 counties in California and 28 are at the base conforming loan limit for a single-family home. The other counties, including Orange, are in higher priced areas and thus have higher max loan limits. Orange County is considered a high cost county so the max loan limit increased from $970,800 to $1,089,300, 12.1% increase for a single-family home.
Orange County is one of 161 out of 3,234 counties (or areas) with the highest conforming loan limit in the U.S. at $1,089,300. There are 9 other California counties with the highest Fannie Mae and Freddie Mac max loan limits and they are Alameda, Contra Costa, Los Angeles, Marin, San Benito, San Francisco, San Mateo, Santa Clara and Santa Cruz counties.
The Orange County VA loan limit is $1,089,300 which is the same as the conforming loan limit for a single-family home.
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2023 Orange County Loan Limit
| County | 1-Family Limit | 2-Family Limit | 3-Family Limit | 4-Family Limit |
| ORANGE | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
Use this Loan Limit Calculator to find FHA, VA or Conventional loan limits in your city or county.
2023 California County Loan Limits
| County | 1-Family Limit | 2-Family Limit | 3-Family Limit | 4-Family Limit |
| ALAMEDA | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| ALPINE | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| AMADOR | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| BUTTE | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| CALAVERAS | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| COLUSA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| CONTRA COSTA | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| DEL NORTE | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| EL DORADO | $763,600 | $977,550 | $1,181,650 | $1,468,500 |
| FRESNO | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| GLENN | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| HUMBOLDT | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| IMPERIAL | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| INYO | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| KERN | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| KINGS | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| LAKE | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| LASSEN | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| LOS ANGELES | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| MADERA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| MARIN | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| MARIPOSA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| MENDOCINO | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| MERCED | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| MODOC | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| MONO | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| MONTEREY | $915,400 | $1,171,900 | $1,416,550 | $1,760,400 |
| NAPA | $1,017,750 | $1,302,900 | $1,574,900 | $1,957,250 |
| NEVADA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| ORANGE | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| PLACER | $763,600 | $977,550 | $1,181,650 | $1,468,500 |
| PLUMAS | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| RIVERSIDE | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| SACRAMENTO | $763,600 | $977,550 | $1,181,650 | $1,468,500 |
| SAN BENITO | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| SAN BERNARDINO | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| SAN DIEGO | $977,500 | $1,251,400 | $1,512,650 | $1,879,850 |
| SAN FRANCISCO | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| SAN JOAQUIN | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| SAN LUIS OBISPO | $911,950 | $1,167,450 | $1,411,200 | $1,753,800 |
| SAN MATEO | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| SANTA BARBARA | $805,000 | $1,030,550 | $1,245,700 | $1,548,100 |
| SANTA CLARA | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| SANTA CRUZ | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| SHASTA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| SIERRA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| SISKIYOU | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| SOLANO | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| SONOMA | $861,350 | $1,102,700 | $1,332,900 | $1,656,450 |
| STANISLAUS | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| SUTTER | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| TEHAMA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| TRINITY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| TULARE | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| TUOLUMNE | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| VENTURA | $948,750 | $1,214,600 | $1,468,150 | $1,824,550 |
| YOLO | $763,600 | $977,550 | $1,181,650 | $1,468,500 |
| YUBA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
Use the HUD loan look-up tool to check the current loan limits where you want to buy. This tool allows you to look up the FHA or GSE mortgage limits for one or more areas, and list them by state, county, or Metropolitan Statistical Area.
Jumbo Mortgages
Jumbo loans allow you to buy expensive properties which by conforming loan limit standards is about half of all properties in Orange County. Orange County mortgages that that exceed the 2023 jumbo loan limit of $1,089,300 are known as nonconforming or jumbo mortgages. The interest rate on jumbo mortgage rates are typically higher than the interest rate on conforming mortgages. Lending standards for jumbo loans also tend to be stricter, with larger down payments required. A jumbo loan is not backed by Fannie Mae or Freddie Mac.
How soon can I refinance my mortgage?
Most lenders won’t refinance a mortgage that was issued in the last 120-180 days and all have different rules including some with pre-payment penalties. However, this doesn’t mean you refinance by shopping for a new lender or negotiating with your current lender.
Benefits of Refinancing a Mortgage:
- Lower interest rates
- Lower monthly payments
- A different loan type e.g. ARM to fixed mortgage
- Shorter term / Pay off mortgage faster
- Consolidate debt
- Combine two mortgages
- Cancel mortgage insurance
- Better terms based on improved credit, income, etc.
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