FHA Loan Limits and USDA Eligibility in Orange County, Florida

2026 FHA one-unit limit in Orange County is $541,287. Two-unit is $693,050, three-unit is $837,700, and four-unit is $1,041,125. USDA 502 Guaranteed 1–4 person moderate income is $132,100. Enter a ZIP on the maps. USDA scores the property address, not the county.

2026 FHA Loan Limits Map for Florida

Florida one-unit limits:
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Standard Floor: $541,287Mid-Tier: $541,288–$750,000High-Cost: $750,001–$1,000,000Elite Zone: $1,000,001+

USDA Property Eligibility and Income Limits Map for Florida

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EligibleIneligibleUSDA ineligible boundary

Orange County FHA Loan Limits and USDA Income

FHA one-unit caps are county. USDA 1–4 person guaranteed income can split a county; when a ZIP lists more than one cap, both are listed. This table does not mark a ZIP as USDA eligible or ineligible.

ZIPFHA one-unit loan limitUSDA 1–4 person moderate income
32703$541,287$132,100
32709$541,287$132,100
32710$541,287$132,100
32712$541,287$132,100
32733$541,287$132,100
32751$541,287$132,100
32757$541,287$132,100
32768$541,287$132,100
32776$541,287$132,100
32777$541,287$132,100
32789$541,287$132,100
32790$541,287$132,100
32792$541,287$132,100
32793$541,287$132,100
32794$541,287$132,100
32798$541,287$132,100
32801$541,287$132,100
32802$541,287$132,100
32803$541,287$132,100
32804$541,287$132,100
32805$541,287$132,100
32806$541,287$132,100
32807$541,287$132,100
32808$541,287$132,100
32809$541,287$132,100
32810$541,287$132,100
32811$541,287$132,100
32812$541,287$132,100
32814$541,287$132,100
32816$541,287$132,100
32817$541,287$132,100
32818$541,287$132,100
32819$541,287$132,100
32820$541,287$132,100
32821$541,287$132,100
32822$541,287$132,100
32824$541,287$132,100
32825$541,287$132,100
32826$541,287$132,100
32827$541,287$132,100
32828$541,287$132,100
32829$541,287$132,100
32830$541,287$132,100
32831$541,287$132,100
32832$541,287$132,100
32833$541,287$132,100
32835$541,287$132,100
32836$541,287$132,100
32837$541,287$132,100
32839$541,287$132,100
32853$541,287$132,100
32854$541,287$132,100
32855$541,287$132,100
32856$541,287$132,100
32857$541,287$132,100
32858$541,287$132,100
32859$541,287$132,100
32860$541,287$132,100
32861$541,287$132,100
32862$541,287$132,100
32867$541,287$132,100
32868$541,287$132,100
32869$541,287$132,100
32872$541,287$132,100
34734$541,287$132,100
34740$541,287$132,100
34747$541,287$132,100
34760$541,287$132,100
34761$541,287$132,100
34777$541,287$132,100
34786$541,287$132,100
34787$541,287$132,100

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A licensed lender can confirm USDA property eligibility, household income, and the FHA county cap for a specific Orange County address. Then they can match you if you qualify.

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