In 2026, the FHA loan limits in Irvine, Orange, CA, are established at $1,089,300 for a single-family home, $1,394,775 for 2-units, $1,685,850 for 3-units, and $2,095,200 for 4-units.
For conventional loans, the maximum amount you can borrow is $1,089,300 for a single-family home. For 2-units, it's $1,394,775; 3-units have a limit of $1,685,850, and for 4-units, it reaches $2,095,200.
Use our FHA calculator to find today’s best rates, assessing needed downpayment, income, credit, reserves, and documents for qualification.
Use Lendersa® to compare FHA rates and terms with those from other loan types, such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® swiftly collects loan program data from thousands of lenders to match your financial profile and needs.
Reference the Loan Limits Table for 2026 in Irvine, Orange, CA, to compare maximum amounts for FHA, Conventional, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Examine qualification needs like income, reserves, and credit with the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| USDA | $776,600 | $776,600 | $776,600 | $776,600 |
| VA | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| 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 |
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