Central Florida

Orange County, FL home buyer guide

Today's mortgage rates, FHA loan limits, and first-time buyer programs available in Orlando, Winter Park, Apopka and across Orange County.

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Orange County snapshot

Median home price

$425,000

Population

1,500,000

FHA loan limit (1-unit)

$524,225

County seat

Orlando

Orange County is one of the most active first-time-buyer markets in the U.S. Hometown Heroes is heavily used by Orange County Public Schools staff, Orlando Health, and AdventHealth workers.

Today's example payments

Monthly payment on a $425,000 Orange County home

Estimates include principal, interest, Florida property tax (~0.98%), and homeowners insurance (~1.25%). PMI/MIP varies. Updated June 14, 2026.

Live rates

Conventional

Monthly payment

$3,347

Rate (mid): 6.520%
Down payment: $21,250 (5.0%)
Loan amount: $403,750

5% down · PMI applies

FHA

Monthly payment

$3,287

Rate (mid): 6.145%
Down payment: $14,875 (3.5%)
Loan amount: $410,125

3.5% down · MIP included

VA

Monthly payment

$3,343

Rate (mid): 6.020%
Down payment: $0 (0.0%)
Loan amount: $425,000

0% down · no PMI

Hometown Heroes

Monthly payment

$3,412

Rate (mid): 6.270%
Down payment: $0 (0.0%)
Loan amount: $425,000

Up to $35K assistance

Educational estimates only. Your actual rate and payment depend on credit, debt-to-income, property type, lender pricing, and the exact insurance quote for your home.