In 2026, the USDA loan ceiling in Gainesville, within Cooke county, TX, is $336,500. In contrast, the FHA limit for a single-family dwelling is $472,030.
Use the Lendersa® USDA loan calculator to compare the top USDA and FHA rates available today and ascertain the necessary income, credit, reserves, and documentation for qualification. Our advanced mortgage calculator provides a side-by-side view of USDA, FHA, Conforming, and VA loans, helping you choose the ideal program for your financial needs in .
2026 Loan Caps and Down Payment Requirements in Gainesville, Cooke, TX
Loan Type
Maximum Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Loan Opportunities in Gainesville, TX
The aim of Lendersa® is to quickly secure the best USDA or FHA loan for you, minimizing any hassle. Choose from three entry points that connect you with suitable lenders and USDA loan options.
A USDA home loan is a government-guaranteed mortgage offered by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, available only in rural regions. Unlike FHA loans, which require at least a 3.5% down payment, USDA loans require none.
4U Credit Union formerly NASCOGA NA (National) S (Supply) CO (Company of) GA (Gainesville) was chartered on May 15, 1956. There were ten charter members who each paid five dollars for a share in the organization. In the beginning, the office of the credit union was in a small corner of the plant itself.
Muenster State Bank is a locally owned, independent bank with a very strong capital position and a long history of serving the local area. Muenster State Bank was chartered on June 23, 1923 with the help of local businessmen and community leaders who felt a bank was needed to provide financial leadership for the community.
PointBank is an independent, locally owned bank that has been serving the Denton County community since 1884—over 130 years! Currently, we have nine branches conveniently located throughout the county. We at PointBank would like to invite you to try out our many banking services.
DEBT DOES DEALS shows clients how to use mortgage debt to build a legacy. From purchasing your first home, to refinancing an existing home loan, or building a home from scratch, we will provide you the best home loan to make your financial dreams a reality. debtdoesdeals.com is your online resource for personalized mortgage solutions,
AccessBank Texas is all about helping you achieve success. We understand the frustration of dealing with faceless Big Banks that treat you like a number, limiting your access to real people and reasonable hours, which is unhelpful, inefficient. We are passionate about the idea that the needs of a community are a Bank’s first and foremost concern.
Travis Scott team is dedicated to helping families reach the dream of home ownership. Whether buying a new home, investment home, or ReFinancing, we can help. Travis work in the relationship business. Travis have worked with several clients that have needed credit assistance and been able to coach them to get into a position to buy.
Affiliated Mortgage Lending (NMLS 1062212) provides a complete offering of home loan products to meet the unique needs of borrowers throughout the State of Texas. Not just another mortgage company - we have many different solutions to help you achieve your home loan objectives whatever they may be.
Growing up in North Texas I’ve seen firsthand the incredible rate at which it has grown. There has never been a better time to leverage debt to buy Texas Real Estate. Rates are still very low. Texas represents freedom and more people are catching on and moving here than ever before.
We offer a wide array of programs and products to fit your needs, Conventional, FHA, VA, Jumbo, Investor products, & 100% Financing for both purchase and refinances. With 30 years of industry experience and long-standing lender relationships, we set ourselves apart from the other mortgage companies.
