In 2026, the USDA loan limit for Carthage, within Panola county, TX, is set at $336,500. Meanwhile, the FHA loan limit for a single-family home is $472,030.
Employ the Lendersa® USDA loan calculator to compare the most favorable current rates of USDA versus FHA loans. This tool enables you to determine the income, credit score, reserves, and documentation required for these loans. Our comprehensive mortgage calculator allows you to view USDA, FHA, Conforming, and VA options side by side, assisting you in selecting the best-suited program in for your financial position.
Loan limits and down payment details for 2026 in Carthage, county of Panola, TX
Type of Loan
Maximum Loan
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loans in Carthage, TX
The objective of Lendersa® is to help secure you the most appropriate USDA or FHA loan quickly and with ease. You can choose from one of the three provided pathways to connect with compatible lenders and explore USDA loan options tailored to your needs.
USDA home loans, which are guaranteed by the Department of Agriculture, also known as USDA rural development loans or USDA mortgages, are available only in rural communities. Unlike FHA loans that usually require a minimum 3.5% down payment, USDA loans necessitate no down payment at all.
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