I'm Bond Peter Njoku, a licensed Mortgage Loan Officer (NMLS #2670329), and Frisco is one of the fastest-growing markets I work in — which also means a steady stream of buyers assuming down payment assistance won't stretch far enough here. It stretches further than most people think. Frisco straddles Collin and Denton counties, both of which carry income limits well above Dallas or Tarrant County, so more Frisco households qualify than in nearby cities.
Why Frisco's Income Limits Work in Your Favor
Whether your Frisco address falls in Collin or Denton County, the 2026 income ceiling for TSAHC and TDHCA assistance is around $119,700 for a smaller household — compared to roughly $97,200 in Dallas and Tarrant counties. For Frisco's tech and corporate-relocation buyers earning combined incomes in the low six figures, that difference often means the gap between qualifying and not.
Programs Available to Frisco Buyers
| Program | Assistance Amount | Type | First-Time Buyer Required? |
|---|---|---|---|
| TSAHC Home Sweet Texas | 3–5% of loan amount | Grant — never repaid | No |
| TDHCA My First Texas Home | Up to 5% of loan amount | Deferred, forgiven at year 3 | Yes (or veteran) |
| FHA base loan | 3.5% minimum down | Insured mortgage | No |
| Conventional loan (with strong credit) | 3–5% minimum down | Fannie Mae/Freddie Mac | No |
Frisco's median price commonly runs $450,000–$700,000 given the volume of new construction, so a 5% grant is worth $22,500–$35,000 depending on the home. I regularly pair this with FHA financing for buyers under 680 credit, and with conventional financing for move-up buyers avoiding FHA's mortgage insurance premium on a larger loan balance.
Credit and Qualifying Requirements
| Factor | Typical Requirement |
|---|---|
| Minimum credit score (FHA pairing) | 620 (case-by-case to 600) |
| Minimum credit score (conventional pairing) | 680+ |
| Collin/Denton County income limit (1-2 person household) | ~$119,700 |
| Homebuyer education course | Required for TDHCA, recommended for TSAHC |
A Realistic Frisco Scenario
On a $550,000 Frisco home, a 5% Home Sweet Texas grant is $27,500. Paired with FHA's 3.5% down requirement of about $19,250, that leaves $8,250 in additional funds to apply toward closing costs or a temporary rate buydown — useful in a market where builders often offer their own incentives too. I always run the comparison against conventional financing before we lock in a strategy.
Next Steps for Frisco Buyers
Frisco's mix of new construction and resale inventory makes an experienced DPA strategy essential. Visit my Frisco location page for a market overview, my Frisco DPA combo page for full program breakdowns, or my conventional loans in Frisco page if you're weighing FHA versus conventional.
Frequently Asked Questions
What down payment assistance is available for Frisco TX buyers in 2026?
Frisco buyers can use TSAHC Home Sweet Texas (a 3-5% grant with no repayment) and TDHCA My First Texas Home (up to 5%, forgiven at year three), both statewide programs I regularly place on Frisco new-construction and resale purchases. I'm Bond Peter Njoku (NMLS #2670329) — call or text me at 469-545-7180 to check your eligibility.
What is the income limit for down payment assistance in Frisco?
Frisco straddles Collin and Denton counties, both with a 2026 income limit around $119,700 for a smaller household — notably higher than Dallas or Tarrant County limits, which helps many Frisco households qualify. I'm Bond Peter Njoku (NMLS #2670329), call or text me at 469-545-7180 to see where your household falls.
Can down payment assistance be used on new construction in Frisco?
Yes, TSAHC and TDHCA assistance can be used on new construction as long as the builder accepts the financing timeline and the loan type (FHA or conventional) matches program requirements. I coordinate with builders' preferred lenders in Frisco regularly. I'm Bond Peter Njoku (NMLS #2670329) — call or text me at 469-545-7180 to confirm a specific builder works with this.
Do I need to be a first-time buyer for Frisco down payment assistance?
Not for every program. TSAHC Home Sweet Texas has no first-time buyer requirement, so a Frisco move-up buyer can use it too. TDHCA My First Texas Home requires first-time buyer status unless you're a veteran. I'm Bond Peter Njoku (NMLS #2670329) — call or text me at 469-545-7180 for a full eligibility check.
Find Out What You Qualify For in Frisco
I'm Bond Peter Njoku (NMLS #2670329). I'll check your income against Collin/Denton County's 2026 limits and show you exactly how far a grant stretches on a Frisco home. Call or text me at 469-545-7180, message me on WhatsApp, or start your pre-approval online.