Orange County jumbo loans and 2026 loan limits.

Orange County does not have a limit of its own. FHFA groups it with Los Angeles County in one metropolitan area, and the whole area takes one limit. That is why the 2026 figure here matches Los Angeles: $1,249,125, the highest allowed in the contiguous states.

Much of the county was built as planned communities, so homeowners association dues are common, and newer areas often carry a special property tax known as Mello-Roos. Lenders add both to the monthly housing cost when they work out what you can borrow. Two homes at the same price can therefore qualify differently.

The county’s coast also draws second-home buyers. A second home is financed under different rules from a main home, and on a jumbo loan each lender decides what it asks for in savings and credit. The county limit itself is the same whether the home is your main home or a second one.