I'm Bond Peter Njoku, and Irving is one of the more overlooked markets I work in — sandwiched between Dallas and Grapevine, close to DFW Airport and the Las Colinas business district, with a mix of established neighborhoods and newer condos that fit squarely in FHA's price range. If you're eyeing Irving and don't have a large down payment saved, an FHA loan is very likely your fastest path to closing. Here's my complete 2026 guide.
FHA Loan Basics for Irving Buyers
| Feature | FHA Loan |
|---|---|
| Minimum Down Payment | 3.5% (with 580+ credit score) |
| Minimum Credit Score | 580 for 3.5% down, 500 for 10% down |
| Upfront Mortgage Insurance | 1.75% of loan amount |
| Annual Mortgage Insurance (MIP) | 0.55% of loan balance, typical |
Figures as of August 2026 and subject to change. Lender-specific overlays may apply.
Why FHA Works Well in Irving
Irving's housing stock ranges from starter homes near Northwest Highway to newer townhomes and condos near Las Colinas, most of which fall well within FHA's Dallas County loan limits. FHA's lower credit threshold (580 versus 620+ for most conventional loans) and its 3.5% down payment make it the go-to option for renters making the jump to homeownership in Irving, especially given the city's proximity to DFW Airport jobs and the growing Las Colinas corporate corridor.
FHA Loan Limits for Irving, TX in 2026
Irving falls within Dallas County, which uses the standard Dallas-Fort Worth metro FHA loan limit. This limit comfortably covers the vast majority of Irving's single-family and condo listings. If you're looking at a higher-priced property near Las Colinas, I'll confirm whether it fits under the current limit before you write an offer.
Stacking Down Payment Assistance With FHA in Irving
Because FHA only requires 3.5% down, it pairs extremely well with down payment assistance programs like TSAHC's Home Sweet Texas grant or TDHCA's My First Texas Home. For many Irving buyers I work with, that combination means the down payment is fully covered by grant funds, leaving only closing costs to plan for.
What to Expect From the FHA Process in Irving
FHA loans require an FHA-approved appraisal, which checks for both value and basic safety/livability standards — something to be aware of with Irving's older housing stock near the city center. I walk every client through what the appraiser will flag before the inspection happens, so there are no surprises mid-contract.
Start Your FHA Application in Irving
FHA remains the fastest, most accessible path to homeownership for most first-time buyers in Irving. Call or text me at 469-545-7180, message me on WhatsApp, or start your pre-approval online and I'll map out your down payment, credit, and closing cost picture in one conversation.
Frequently Asked Questions
What credit score do I need for an FHA loan in Irving, TX?
I'm Bond Peter Njoku (NMLS #2670329), and FHA loans in Irving require a minimum credit score of 580 to qualify for 3.5% down. Some lenders, myself included, can work with scores as low as 500 with a 10% down payment. Call or text me at 469-545-7180 and I'll review your credit and tell you exactly where you stand.
What is the FHA loan limit in Irving, TX for 2026?
I'm Bond Peter Njoku (NMLS #2670329), and Irving sits in Dallas County, where the 2026 FHA loan limit for a single-family home is set at the standard Dallas-Fort Worth metro limit, which comfortably covers most Irving home prices. Text me at 469-545-7180 and I'll confirm the exact current limit for your target purchase price.
Can I combine an FHA loan with down payment assistance in Irving?
I'm Bond Peter Njoku (NMLS #2670329), and yes — I regularly pair FHA's 3.5% down requirement with TSAHC or TDHCA grants for Irving buyers, which can cover the entire down payment so you close with minimal cash out of pocket. Call or text me at 469-545-7180 and I'll check which DPA programs apply to your Irving purchase.
How much down payment do I need for an FHA loan in Irving?
I'm Bond Peter Njoku (NMLS #2670329), and FHA requires a minimum 3.5% down payment for buyers with a credit score of 580 or higher. On a $320,000 Irving home, that's about $11,200 — though down payment assistance can often cover that amount entirely. Call or text me at 469-545-7180 and I'll run the numbers for your specific price range.
Ready to buy in Irving with an FHA loan?
I'm Bond Peter Njoku (NMLS #2670329), and I help Irving buyers get into their first home with as little cash down as possible. Call or text me at 469-545-7180, message me on WhatsApp, or start your pre-approval online.