I'm Bond Peter Njoku, a licensed Mortgage Loan Officer (NMLS #2670329), and Irving buyers are often surprised by how much a grant program can offset when the down payment is the main obstacle. Irving sits in Dallas County, so the income limits here are the standard DFW figures — not as generous as Collin or Rockwall County, but still enough to help a large share of first-time and move-up buyers close comfortably.
Dallas County Income Limits for Irving Buyers
Because Irving is in Dallas County, the 2026 income ceiling for TSAHC and TDHCA assistance runs around $97,200 for a smaller household — lower than the roughly $119,700 limit in Collin, Denton, or Rockwall counties. I always run your actual household size and income against the current limits before we build a strategy, since the number changes based on household composition.
Programs Available to Irving 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 |
Irving's median home price commonly runs $300,000–$450,000, which is more accessible than Collin County suburbs, so a 5% grant of $15,000–$22,500 makes a real dent in your upfront costs. I most often pair this assistance with FHA financing given Irving's typical buyer credit profile, though conventional financing is worth comparing for buyers with 680+ credit.
Credit and Qualifying Requirements
| Factor | Typical Requirement |
|---|---|
| Minimum credit score (FHA pairing) | 620 (case-by-case to 600) |
| Minimum credit score (conventional pairing) | 680+ |
| Dallas County income limit (1-2 person household) | ~$97,200 |
| Homebuyer education course | Required for TDHCA, recommended for TSAHC |
A Realistic Irving Scenario
On a $350,000 Irving home, a 5% Home Sweet Texas grant is $17,500. Paired with FHA's 3.5% down requirement of $12,250, that leaves $5,250 extra to apply toward closing costs or prepaid items. For buyers close to the Dallas County income ceiling, I also check whether a slightly lower loan amount or different household structure changes your eligibility before we finalize anything.
Next Steps for Irving Buyers
Irving's central DFW location and relatively accessible prices make it a strong market for first-time buyers using assistance. Visit my Irving location page for a market overview, my Irving DPA combo page for full program breakdowns, or my FHA loans in Irving page for the most common pairing.
Frequently Asked Questions
What down payment assistance is available for Irving TX buyers in 2026?
Irving 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 available to qualifying Dallas County buyers. 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 Irving?
Irving sits in Dallas County, where the 2026 income limit for these programs is approximately $97,200 for a one-to-two person household. That's lower than Collin or Rockwall County limits, so I always check your exact household size and income before assuming you qualify. I'm Bond Peter Njoku (NMLS #2670329), call or text me at 469-545-7180 to see where your household falls.
How much does down payment assistance save on a typical Irving home?
Irving's median price often runs $300,000-$450,000, so a 5% grant is worth $15,000-$22,500 — real money toward your down payment and closing costs. I'm Bond Peter Njoku (NMLS #2670329) — call or text me at 469-545-7180 to run the numbers on a specific Irving listing.
Do I need to be a first-time buyer for Irving down payment assistance?
Not for every program. TSAHC Home Sweet Texas has no first-time buyer requirement, so an Irving 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 Irving
I'm Bond Peter Njoku (NMLS #2670329). I'll check your income against Dallas County's 2026 limits and show you exactly how far a grant stretches on an Irving home. Call or text me at 469-545-7180, message me on WhatsApp, or start your pre-approval online.