USDA Vs. FHA Pro and Con comparison in Gainesville, Cooke County, TX
In 2025, 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 .
2025 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.
We are available to meet with you in office, any time you like. It isn’t unusual to find our originators, meeting with borrowers and realtors early in the morning, early evening, or even on Saturday or Sunday. We do hope that you give us a call, stop in and see us, r take advantage of this great website and fill out an application online!
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