What is the FHA loan limit in Orange County, Florida?
Orange County (Orlando-Kissimmee-Sanford MSA) uses the 2026 FHA floor: $541,287 for a one-unit home, $693,050 for two units, $837,700 for three, $1,041,125 for four.
What this actually means.
Orange County is one of the standard-cost Central Florida counties at the FHA floor. Limits update each January — verify the current number against HUD's official lookup before locking price on a high-end home.
Where this can move.
FHA county loan limits update annually. Confirm the current limit on the official HUD lookup before structuring an offer.
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Educational only. FHA guidelines, lender overlays, rates, fees, and underwriting requirements can change. Final eligibility depends on full underwriting review. Mortgage Expert, Inc. is not affiliated with HUD, FHA, or any government agency.