I'm Bond Peter Njoku, a licensed Mortgage Loan Officer (NMLS #2670329), and Southlake is the one DFW city where I have to give buyers a straight answer before I give them a grant program: down payment assistance works here, but only within conforming loan limits. That still covers a meaningful slice of what sells in Southlake — condos, townhomes, and homes on the more accessible end of the market. Call or text me at 469-545-7180 and I'll tell you upfront whether your target property qualifies.
Where DPA Realistically Fits in Southlake
TSAHC Home Sweet Texas and TDHCA My First Texas Home both cap the underlying loan at conforming loan limits, which cover the majority of home purchases nationwide but leave out Southlake's larger luxury estates. If you're financing above that limit, you'd be looking at a jumbo loan instead, which doesn't pair with these grant programs. For buyers targeting Southlake's more accessible inventory — townhomes, smaller lots, or properties near the edges of town — DPA is very much in play.
Southlake's County Split and Income Limits
Southlake straddles Tarrant and Denton counties, which matters because the 2026 income limit differs by side. On the Tarrant County side, the TSAHC and TDHCA limit is approximately $97,200 for a one-to-two person household. On the Denton County side, it rises to about $119,700 — the same higher tier as Collin and Rockwall counties. I confirm which county your specific address falls in before we run numbers, since it changes what you can qualify for.
Programs Available to Southlake Buyers
| Program | Assistance Amount | Type | Loan Limit Cap Applies? |
|---|---|---|---|
| TSAHC Home Sweet Texas | 3–5% of loan amount | Grant — never repaid | Yes, conforming loan limit |
| TDHCA My First Texas Home | Up to 5% of loan amount | Deferred, forgiven at year 3 | Yes, conforming loan limit |
| Conventional base loan | 3–5% minimum down | Fannie/Freddie | Yes, conforming limit for best pricing |
| Jumbo loan | 10–20% typical down | Non-conforming | No DPA pairing available |
A Realistic Southlake Scenario
On a $650,000 Southlake purchase that stays within conforming loan limits, a 5% Home Sweet Texas grant is $32,500 — enough to fully cover a conventional 5% down payment with money left over for closing costs. For buyers targeting Southlake's higher-end inventory above conforming limits, I shift the conversation to jumbo financing strategy instead, since a grant program simply won't apply there. Either way, I run the numbers on your specific target price before you write an offer, so there are no surprises at underwriting.
Credit and Qualifying Requirements
| Factor | Typical Requirement |
|---|---|
| Minimum credit score (Conventional + DPA) | 640 typical |
| Tarrant County income limit (1-2 person household) | ~$97,200 |
| Denton County income limit (1-2 person household) | ~$119,700 |
| Homebuyer education course | Required for TDHCA, recommended for TSAHC |
Next Steps for Southlake Buyers
Southlake takes a more careful eligibility check than most DFW cities, and I'd rather tell you honestly whether DPA applies before you fall in love with a listing. Visit my Southlake location page for a market overview, my Southlake DPA combo page for full program breakdowns, or my FHA loans page if a lower-priced Southlake property fits a grant-plus-FHA structure better. My TSAHC Home Sweet Texas program guide covers eligibility rules in more detail.
Frequently Asked Questions
Does down payment assistance work in Southlake TX?
It can, but with a caveat — TSAHC Home Sweet Texas and TDHCA My First Texas Home both cap eligibility at conforming loan limits, so DPA applies best to Southlake buyers targeting condos, townhomes, or homes near the lower end of the local price range rather than the town's larger luxury estates. I'm Bond Peter Njoku (NMLS #2670329) — call or text me at 469-545-7180 to see if your target property qualifies.
What is the income limit for down payment assistance in Southlake?
Southlake straddles Tarrant and Denton counties. The 2026 TSAHC and TDHCA income limit is approximately $97,200 for a one-to-two person household on the Tarrant County side, and about $119,700 on the Denton County side. I'm Bond Peter Njoku (NMLS #2670329), call or text me at 469-545-7180 and I'll confirm which county your target address falls in.
What if my Southlake home exceeds conforming loan limits?
If your loan amount exceeds the conforming loan limit, TSAHC and TDHCA grants aren't available on that transaction, and you'd typically be looking at a jumbo loan with a larger conventional down payment instead. I'm Bond Peter Njoku (NMLS #2670329) — call or text me at 469-545-7180 and I'll tell you upfront whether your price range keeps DPA on the table.
Do I need to be a first-time buyer for Southlake down payment assistance?
Not for every program. TSAHC Home Sweet Texas has no first-time buyer requirement, so a Southlake move-up buyer within conforming limits can still qualify. 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 If Down Payment Assistance Fits Your Southlake Purchase
I'm Bond Peter Njoku (NMLS #2670329). I'll confirm which county your target address falls in, check it against conforming loan limits, and tell you honestly whether a grant applies. Call or text me at 469-545-7180, message me on WhatsApp, or start your pre-approval online.