I'm Bond Peter Njoku, a licensed Mortgage Loan Officer (NMLS #2670329), and Lewisville is a market I like recommending to buyers who want Denton County schools and a quick commute into Dallas without Flower Mound or Southlake price tags. The one thing that stops a lot of them from moving forward is the down payment — which is usually a smaller obstacle than they think once we look at Denton County's grant programs.
Denton County's Income Limits
Denton County's 2026 income limit for TSAHC and TDHCA assistance is approximately $119,700 for a one-to-two person household — the same tier as Collin and Rockwall counties, and meaningfully higher than the roughly $97,200 limit in Dallas or Tarrant County. That extra headroom helps a lot of Lewisville households qualify who might not in a Dallas County suburb at the same income.
Programs Available to Lewisville 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 base loan | 3–5% minimum down | Fannie Mae/Freddie Mac | No |
Lewisville's home prices commonly run $312,000–$390,000, so a 5% grant means roughly $15,600–$19,500 toward your down payment and closing costs. I pair the grant with either an FHA loan for buyers still building credit, or conventional financing for buyers with a 680+ score who want to avoid FHA's mortgage insurance for the life of the loan.
Credit and Qualifying Requirements
| Factor | Typical Requirement |
|---|---|
| Minimum credit score (FHA + DPA pairing) | 620 (case-by-case to 600) |
| Minimum credit score (Conventional + DPA pairing) | 640–660 typical |
| Denton County income limit (1-2 person household) | ~$119,700 |
| Homebuyer education course | Required for TDHCA, recommended for TSAHC |
A Realistic Lewisville Scenario
On a $390,000 Lewisville home, a 5% Home Sweet Texas grant is $19,500. Paired with FHA's 3.5% down of $13,650, that grant covers the full down payment with about $5,850 left toward closing costs. If you're relocating for work and haven't owned in the past three years, you likely qualify as a first-time buyer for TDHCA too, which opens up a second program to compare against TSAHC.
Next Steps for Lewisville Buyers
Lewisville gives buyers Denton County's income-limit advantage without Flower Mound or Southlake pricing. Visit my Lewisville location page for a market overview, my Lewisville DPA combo page for full program breakdowns, or read my TSAHC Home Sweet Texas guide for a deeper look at the grant that works statewide.
Frequently Asked Questions
What down payment assistance is available for Lewisville TX buyers in 2026?
Lewisville 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), paired with an FHA or conventional first mortgage. 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 Lewisville?
Denton County's 2026 income limit for TSAHC and TDHCA is approximately $119,700 for a one-to-two person household — the same tier as Collin and Rockwall counties, and higher than Dallas or Tarrant. I'm Bond Peter Njoku (NMLS #2670329), call or text me at 469-545-7180 to see where your household falls.
Can move-up buyers in Lewisville use down payment assistance, not just first-time buyers?
Yes, with TSAHC Home Sweet Texas — it has no first-time buyer requirement, which matters in Lewisville since a lot of buyers here are relocating from Dallas or moving up within Denton County. 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.
How much does down payment assistance cover on a typical Lewisville home?
On a $390,000 Lewisville home, a 5% grant is $19,500, which covers an FHA 3.5% down payment of $13,650 with roughly $5,850 left for closing costs. I'm Bond Peter Njoku (NMLS #2670329) — call or text me at 469-545-7180 and I'll run the exact numbers for your target price range.
Find Out What You Qualify For in Lewisville
I'm Bond Peter Njoku (NMLS #2670329). I'll check your income against Denton County's 2026 limits and show you exactly how much a grant saves you upfront on a Lewisville home. Call or text me at 469-545-7180, message me on WhatsApp, or start your pre-approval online.