In 2026, within Seal-Beach county of Orange, CA, the FHA loan limits are set at $822,375 for a single-family home, $1,053,000 for two-unit residences, $1,272,750 for three-unit properties, and $1,581,750 for four-unit dwellings.
The ceiling for conventional loan amounts on single-family residences is $822,375, while for two-unit homes, it amounts to $1,053,000, and for homes with three units, it’s $1,272,750, with $1,581,750 for four-unit houses.
Utilize our FHA calculator to explore today’s best FHA rates, assess your required down payment, income levels, credit score, reserves, and the documents necessary for qualification.
The Lendersa® calculator allows you to evaluate FHA rates and terms compared to other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money options alongside FHA.
Lendersa® gathers extensive data from a vast network of lenders, swiftly bringing it in line with your unique financial profile and needs.
Visit the Loan Limits Comparison Table for 2026 in Seal-Beach county of Orange, CA to compare maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For a detailed comparison of qualification requirements such as income, reserves, and credit, use 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 |
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