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2024 Orange County Conforming Loan Limits

California Conforming Loan Limits by County

Here are Orange County’s and all California counties 2024 conforming loan limits. The maximum 2024 conforming loan limit went from $726,200 to $766,550 for a single-family home in 2024. That’s an increase of 5.5% year over year. In contrast, the increase from 2022 to 2023 was 22%. Orange County’s conforming loan limit is $1,149,825.

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 $1,089,300 to $1,149,825, 5.5% increase for a single-family home.

Orange County is one of 152 out of 3,234 counties (or areas) with the highest conforming loan limit in the U.S. at $1,149,825. 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 $1,149,825 which is the same as the conforming loan limit for a single-family home.


2024 Orange County Loan Limit

County1-Family
Limit
2-Family
Limit
3-Family
Limit
4-Family
Limit
ORANGE$1,149,825$1,472,250$1,779,525$2,211,600

Use this Loan Limit Calculator to find FHA, VA or Conventional loan limits in your city or county.


2024 California County Loan Limits

County NameOne-Unit
Limit
Two-Unit
Limit
Three-Unit
Limit
Four-Unit
Limit
ALAMEDA $1,149,825 $1,472,250 $1,779,525 $2,211,600
ALPINE $766,550 $981,500 $1,186,350 $1,474,400
AMADOR $766,550 $981,500 $1,186,350 $1,474,400
BUTTE $766,550 $981,500 $1,186,350 $1,474,400
CALAVERAS $766,550 $981,500 $1,186,350 $1,474,400
COLUSA $766,550 $981,500 $1,186,350 $1,474,400
CONTRA COSTA $1,149,825 $1,472,250 $1,779,525 $2,211,600
DEL NORTE $766,550 $981,500 $1,186,350 $1,474,400
EL DORADO $766,550 $981,500 $1,186,350 $1,474,400
FRESNO $766,550 $981,500 $1,186,350 $1,474,400
GLENN $766,550 $981,500 $1,186,350 $1,474,400
HUMBOLDT $766,550 $981,500 $1,186,350 $1,474,400
IMPERIAL $766,550 $981,500 $1,186,350 $1,474,400
INYO $766,550 $981,500 $1,186,350 $1,474,400
KERN $766,550 $981,500 $1,186,350 $1,474,400
KINGS $766,550 $981,500 $1,186,350 $1,474,400
LAKE $766,550 $981,500 $1,186,350 $1,474,400
LASSEN $766,550 $981,500 $1,186,350 $1,474,400
LOS ANGELES $1,149,825 $1,472,250 $1,779,525 $2,211,600
MADERA $766,550 $981,500 $1,186,350 $1,474,400
MARIN $1,149,825 $1,472,250 $1,779,525 $2,211,600
MARIPOSA $766,550 $981,500 $1,186,350 $1,474,400
MENDOCINO $766,550 $981,500 $1,186,350 $1,474,400
MERCED $766,550 $981,500 $1,186,350 $1,474,400
MODOC $766,550 $981,500 $1,186,350 $1,474,400
MONO $766,550 $981,500 $1,186,350 $1,474,400
MONTEREY $920,000 $1,177,750 $1,423,650 $1,769,250
NAPA $1,017,750 $1,302,900 $1,574,900 $1,957,250
NEVADA $766,550 $981,500 $1,186,350 $1,474,400
ORANGE $1,149,825 $1,472,250 $1,779,525 $2,211,600
PLACER $766,550 $981,500 $1,186,350 $1,474,400
PLUMAS $766,550 $981,500 $1,186,350 $1,474,400
RIVERSIDE $766,550 $981,500 $1,186,350 $1,474,400
SACRAMENTO $766,550 $981,500 $1,186,350 $1,474,400
SAN BENITO $1,149,825 $1,472,250 $1,779,525 $2,211,600
SAN BERNARDINO $766,550 $981,500 $1,186,350 $1,474,400
SAN DIEGO $1,006,250 $1,288,200 $1,557,150 $1,935,150
SAN FRANCISCO $1,149,825 $1,472,250 $1,779,525 $2,211,600
SAN JOAQUIN $766,550 $981,500 $1,186,350 $1,474,400
SAN LUIS OBISPO $929,200 $1,189,550 $1,437,900 $1,786,950
SAN MATEO $1,149,825 $1,472,250 $1,779,525 $2,211,600
SANTA BARBARA $838,350 $1,073,250 $1,297,300 $1,612,250
SANTA CLARA $1,149,825 $1,472,250 $1,779,525 $2,211,600
SANTA CRUZ $1,149,825 $1,472,250 $1,779,525 $2,211,600
SHASTA $766,550 $981,500 $1,186,350 $1,474,400
SIERRA $766,550 $981,500 $1,186,350 $1,474,400
SISKIYOU $766,550 $981,500 $1,186,350 $1,474,400
SOLANO $766,550 $981,500 $1,186,350 $1,474,400
SONOMA $877,450 $1,123,300 $1,357,800 $1,687,450
STANISLAUS $766,550 $981,500 $1,186,350 $1,474,400
SUTTER $766,550 $981,500 $1,186,350 $1,474,400
TEHAMA $766,550 $981,500 $1,186,350 $1,474,400
TRINITY $766,550 $981,500 $1,186,350 $1,474,400
TULARE $766,550 $981,500 $1,186,350 $1,474,400
TUOLUMNE $766,550 $981,500 $1,186,350 $1,474,400
VENTURA $954,500 $1,221,950 $1,477,050 $1,835,600
YOLO $766,550 $981,500 $1,186,350 $1,474,400
YUBA $766,550 $981,500 $1,186,350 $1,474,400

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 2024 jumbo loan limit of $1,149,825 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.

Historical Conforming Loan Limits

These are the historical loan limits for Orange County and the national base loan limit.

YearNational Base Loan LimitOC 1-Family
Limit
2024$766,550$1,149,825
2023$726,200$1,089,300
2022$647,200$970,800
2021$548,250$822,375
2020$510,400$756,600
2019$484,350$726,525
2018$453,100$679,150
2017$424,100$636,150
2016$417,000$625,500
2015$417,000$625,500
2014$417,000$625,500
2013$417,000$625,500
2012$417,000$625,500
2011$417,000$625,500
2010$417,000$729,750
2009$417,000$729,750
2008$417,000$729,750
2007$417,000
2006$417,000
2005$359,650
2004$333,700
2003$322,700
2002$300,700
2001$275,000
2000$252,700
1999$240,000
1998$227,150
1997$214,600
1996$207,000
1995$203,150
1994$203,150
1993$203,150
1992$202,300
1991$191,250
1990$187,450
1989$187,600
1988$168,700
1987$153,100
1986$133,250
1985$115,300
1984$114,000
1983$108,300
1982$107,000
1981$98,500
1980$93,750