Presented here is a gallery of textures I have made for Animal Crossing, using the Design Tool (and MS Paint...). I list the palette I used and the colors from those palettes (starting at the top and counting down), as well as recommendations on where to use them in your AC game.
I also have a gallery of game sprites that I've done for whatever reason. I don't actually use many of these in AC, so I don't have recommendations on how you should use them.

Palette 10/16
Colors: 3/9/14
Walls/Floor (Mix or paste)
Palette 16/16
Colors: 1/2/8/14/15
Umbrella
Palette: 1/16
Colors: 5/10/14/15
Clothing
Palette: 8/16
Colors: 2/3*/14/15
(Color 3 is the blue area)
Not walls/floors
Palette: 11/16
Colors: 1/2/3/14/15
Not umbrella
Beware mixing on wall/floor!
Palette: doesn't matter
Colors: 14/15
Not Umbrella
Palette: 11/16
Colors: 2/3/14
Anywhere
Palette: 16/16
Colors: 3/14/15
Clothing
Palette: 7/16
Colors: 1/8/9/13/14/15
Not Walls/Floor
Palette: any (16 used here)
Colors: whatever works for you
Door/Signs
Palette: 11/16
Colors*: 1/2/3/8/14/15
Signs
*Switch red and black for "official" crest
Palette: 11/16
Colors: 1/3/4/6/7/14
Any (no mix)
Palette: 11/16
Not umbrella