In the year 2026, the FHA loan limits in Gainesville, located within Cooke county in TX, are set at $472,030 for single-family homes, $604,400 for two-unit residences, $730,525 for three-unit properties, and $907,900 for quadruplexes.
For conventional mortgages, the maximum amount a single-family dwelling can receive is $726,200. The limit for two-unit homes is $929,850, for three-unit homes is $1,123,900, and for four-unit residences is $1,396,800.
Our FHA calculator is a useful tool to identify today’s ideal FHA rates, calculate the downpayment, assess income and credit requirements, analyze reserves, and compile the necessary documents for qualification.
The Lendersa® calculator offers a way to evaluate FHA rates and terms against various other loan programs. Analyze and compare options like FHA, Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
In just moments, Lendersa® draws on data from numerous lenders to match their offerings with your personal financial profile and needs.
Our Loan Limits Comparison Table for 2026 in Gainesville, Cooke, TX, illustrates the upper limits for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use Lendersa® Super Loan Integrated Qualifier (SLIQ™) to compare requirements such as income, reserves, and credit necessities.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $472,030 | $604,400 | $730,525 | $907,900 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| USDA | $336,500 | $336,500 | $336,500 | $336,500 |
| VA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
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