Orange County, CA Mortgage Calculator
Estimate your monthly mortgage payment in Orange County with local property tax rates, homeowners insurance, and 2025 FHA and conforming loan limits.
Extra Monthly Payment
$
Estimated Monthly Payment
$6,276
Estimates are for educational purposes only and are not a loan offer or commitment to lend.
FHA Eligible
Loan Amount: $840,000
LTV: 0.01%
P&I Payment
$5,560
Total Interest
$1,161,730
over loan life
Payoff
30 yr
Closing Costs
$13,024–$24,311
est. range
Monthly Payment Breakdown
2025 Loan Limit Context
FHA Limit
$1,209,750
Conforming Limit
$1,209,750
Amortization Schedule
| Mo. | Payment | Principal | Interest | Balance | Total Interest |
|---|---|---|---|---|---|
| 1 | $5,560 | $695 | $4,865 | $839,305 | $4,865 |
| 2 | $5,560 | $699 | $4,861 | $838,605 | $9,726 |
| 3 | $5,560 | $703 | $4,857 | $837,902 | $14,583 |
| 4 | $5,560 | $708 | $4,853 | $837,194 | $19,436 |
| 5 | $5,560 | $712 | $4,849 | $836,483 | $24,284 |
| 6 | $5,560 | $716 | $4,845 | $835,767 | $29,129 |
| 7 | $5,560 | $720 | $4,840 | $835,047 | $33,970 |
| 8 | $5,560 | $724 | $4,836 | $834,323 | $38,806 |
| 9 | $5,560 | $728 | $4,832 | $833,595 | $43,638 |
| 10 | $5,560 | $732 | $4,828 | $832,862 | $48,466 |
| 11 | $5,560 | $737 | $4,824 | $832,126 | $53,290 |
| 12 | $5,560 | $741 | $4,819 | $831,385 | $58,109 |
Months 1–12 of 360
2025 Loan Limits — Orange County, CA
| Limit Type | 2025 Limit | Note |
|---|---|---|
| FHA Loan Limit (1-unit) | $1,209,750 | Max loan for FHA-insured mortgage |
| Conforming Loan Limit (1-unit) | $1,209,750 | Fannie Mae / Freddie Mac eligible |
Source: HUD / FHFA. Data as of 2025-01-15.
FAQ — Orange County Mortgage
What is the property tax rate in Orange County?
The effective property tax rate in Orange County is approximately 0.67%. This means a home worth $1,050,000 would have an estimated annual tax bill of about $7,035.
What is the 2025 FHA loan limit in Orange County?
The 2025 FHA loan limit for a single-family home in Orange County, CA is $1,209,750.
What is the conforming loan limit in Orange County?
The 2025 conforming loan limit in Orange County is $1,209,750. Loans above this amount are considered jumbo loans.