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
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| Loan Type | Maximum Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
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.
Enter your location to find out if it qualifies for USDA rural housing loan?
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