FHA loans across Orange County with as little as 3.5% down. Here's the county's 2026 FHA loan limit, why the Orlando area suits FHA buyers, and how to get pre-approved.
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Orange County is the heart of the Orlando metro — one of the country's fastest-growing regions, powered by tourism, healthcare, and a booming tech and simulation sector. That growth fuels constant new construction at prices that largely fit under the FHA limit, making Orange County a magnet for first-time buyers and families relocating to Central Florida. FHA's 3.5% down is a natural fit here.
With the 2026 FHA floor of $541,287 and FHA's 3.5% minimum down, you can finance a Orange County home priced up to roughly $560,000 (your loan covers the price minus your down payment). Across most of Orange County, that covers the large majority of homes, including much of the new construction. A handful of Florida counties are set higher, so we confirm Orange County's exact figure with HUD.
The Orlando area's relentless new construction is tailor-made for FHA — modern homes that clear the FHA appraisal and sit within the loan limit, perfect for first-time buyers. The metro also has a large condo market (especially near attractions and downtown); for those, confirm FHA approval via our condo guide. Pair FHA with Florida assistance and get pre-approved before you compete for homes.
We help FHA buyers throughout Orange County, including Orlando. Explore our local guides for a closer look at the market, loan limits, and down payment help in each:
You don't have to cover the down payment alone. FHA allows gift funds, sellers can contribute up to 6% toward closing costs, and Orange County buyers can often pair FHA with assistance from the Florida Housing Finance Corporation and Orange County's local SHIP-funded programs. Funding and eligibility change frequently, so we'll help you confirm what's currently available — see our FHA down payment assistance guide.
Get a free FHA rate quote and pre-approval from a lender who knows the Orange County market.
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