For the year 2026, the FHA loan limits in Costa-Mesa county, part of Orange, CA, are as follows: $822,375 for a single-family home, $1,053,000 for 2-unit properties, $1,272,750 for 3-unit homes, and $1,581,750 for 4-unit structures.
The maximum potential loan amounts for conventional loans are set at $822,375 for a single-family residence, $1,053,000 for two-unit homes, $1,272,750 for three-unit houses, and $1,581,750 for four-unit buildings.
By using our FHA calculator, you can access today's top FHA rates and assess the required down payment, income, credit levels, reserves, and documents necessary for qualification.
The Lendersa® calculator allows you to compare FHA rates and terms with those of other loan programs. Explore possibilities such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA options.
Lendersa® integrates loan program information from a multitude of lenders, rapidly comparing it to your specific financial profile and requirements.
Utilize the Loan Limits Comparison Table for 2026 in Costa-Mesa county of Orange, CA to compare FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximum loan values. For assessing qualification needs such as income, reserves, and credit, employ the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| USDA | $657,900 | $657,900 | $657,900 | $657,900 |
| VA | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
|
|
|
|
|
|
|
|
FHA Guides
TYPES OF LOANS WE HANDLE:
CITIES CLOSE BY:
