USDA and FHA Pro and Con in Jacksonville, Cherokee County, TX
During 2026, the USDA loan cap in Jacksonville, located in the county of Cherokee, TX, is established at $336,500. Conversely, the FHA limit for a single-family dwelling is $472,030.
Take advantage of the Lendersa® USDA loan calculator to compare today's premier USDA vs. FHA rates, and identify the income, credit, reserves, and documentation required for eligibility. Our advanced mortgage calculator provides a side-by-side view of USDA, FHA, Conforming, and VA options, helping you to determine which program in best aligns with your financial needs.
2026 Loan Limits and Downpayment Requirements in Jacksonville, Cherokee, TX
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Options in Jacksonville, TX
Lendersa® aims to swiftly connect you with the most suitable USDA or FHA loans without complications. Choose one of three starting points to match with potential lenders and explore relevant USDA loan programs.
The USDA home loan, backed by the U.S. Department of Agriculture, also known as the USDA rural development loan or USDA mortgage, is intended solely for rural neighborhoods. Unlike FHA loans, which require at least a 3.5% down payment, a USDA mortgage does not require any down payment.
Austin Bank has been serving East Texas since 1900. While we have grown to serve more locations and adapted new technology, our dedication to serving you, our customers, has remained the same since. If you would like to learn more about who we are at Austin Bank, we invite you to click on any of the links below so you can see
CCTFCU is a federally-registered credit union serving Cherokee County. We were organized in 1955 to provide low-interest loans and high-yield savings accounts to teachers serving in our school districts. As a federal credit union, we’re a non-profit banking institution that gives back to each and every one of our members with low-interest loans.
Our unique loan process allows you to e-sign your loan documents, receive your money directly into your bank account and offers you the option of paying over the phone with a debit card. No hassles, no gimmicks, no hidden fees. We offer plain and simple installment loans. and also Atlas Credit, we understand that life is busy and you don't always
United Credit Union opens a financial world to experience banking as it should be. Credit unions will generally have lower rates on loans and higher rates on savings and investments. At United we believe in offering our members a choice. Choose from a variety of online services and in person services. It's about YOU and what YOU need.
Kelly Community, “We care for members like family.” When you’re a member, you’re family. We’ll give you our best financial counsel just like we would a family member. We’ll go out of our way to find solutions that work for you just like we would a family member. For more than 59 years, helping you save more, earn more and do more financially
BTH Bank has over 107 years of history and maintains an equity ratio well above regulatory guidelines. In 2013, approximately 185 subscribers invested $42 million new equity into the bank. Those shareholders as well as the then approximately 400 existing shareholders have illustrated their respect
We are committed to helping you and putting your best interests first! Each client is unique and viewed as an opportunity to add value by finding the best loan product for each individual borrower’s specific financial goals, offering wholesale pricing on interest rates and the lowest transaction costs, while providing financial education.
Eagle Home Loans was founded by Jon Jacobs in 2017. Jon has been an East Texas (Tyler) resident since 1978. He earned his BSBM and MBA from LeTourneau University. Jon Jacobs goal is to achieve this through relationship building discussions with my clients, while understanding their desires, needs and future plans, and explain the lending process.
100 Independence Place, Suite 308, Tyler, TX, 75703
Lends in Texas
Avenue Mortgage team, we have a great passion for our work. Mortgage information is everywhere, but mortgage wisdom is rare. Our goal is to understand the needs of our clients and to provide the best mortgage solutions at the most competitive rates. Our commitment is to deliver what we promise and we are dedicated to providing,
