FHA loans in Orlando, Florida

FHA loans in Orlando, Florida

Orlando is one of the fastest-growing metros in the country, drawing first-time buyers, relocating families, and hospitality and tech workers alike. FHA loans are a natural fit: 3.5% down, credit from 580, and plenty of newer suburban inventory in areas like Lake Nona that works well for FHA. The challenge in Orlando usually isn't the loan limit — it's competition, which makes getting pre-approved first a real advantage.

What the FHA limit means in Orlando

With the 2026 FHA limit of $541,287 and FHA's 3.5% minimum down, you can finance a Orlando home priced up to roughly $560,000 (your loan covers the price minus your down payment). That comfortably covers a large share of Orlando-area homes, especially single-family houses in the suburbs and newer communities. A few Florida counties are set higher, so confirm Orange County's exact figure with HUD.

Down payment help for Orlando buyers

You don't have to cover the down payment alone. FHA allows gift funds, sellers can contribute up to 6% toward closing costs, and Orlando 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.

Neighborhoods we serve in Orlando

We help buyers throughout Orlando and Orange County, including Lake Nona, Baldwin Park, College Park, Conway, and the surrounding Orange County suburbs. Wherever you're looking, we'll explain your FHA loan limit, rate, and monthly payment — and get you pre-approved fast.