Fannie Mae and Freddie Mac and FHA new limits DIFFER depending on the county that the property is in. Check for max loan limits, i.e., Orange County new limit is $729,750 however, Riverside and San Bernardino limits are $500,000. NOTE: Some zip codes are now designated by lenders as being in "depressed or declining markets". This means that there are a high rate of defaults and foreclosures in these areas. The result: Lenders are restricting lending to lower percentages in these areas, 75% instead of 80%.