Is conventional better than FHA for Lewisville TX buyers?

For Lewisville buyers with 680+ credit, conventional typically wins — lower monthly PMI, no upfront MIP, and PMI that cancels at 78% LTV. Lewisville's Denton County location also means a higher TSAHC DPA income limit ($119,700 vs. Dallas County's $97,200). I'm Bond Peter Njoku (NMLS #2670329). Call 469-545-7180.

Home / Conventional Loans / Lewisville TX

Conventional Loans · Lewisville, Texas

Conventional Loans in Lewisville, TX

Q: Who offers conventional loans in Lewisville TX?

I'm Bond Peter Njoku (NMLS #2670329), a licensed mortgage loan officer serving Lewisville TX and Denton County. I offer conventional loans with 620+ credit, 3–20% down, and no income limits. Call or text 469-545-7180.

Q: What is the conventional loan limit in Lewisville TX for 2026?

The 2026 conforming loan limit for Denton County is $806,500. Lewisville homes typically run $280,000–$440,000 — well within that limit. I'm Bond Peter Njoku (NMLS #2670329). Call 469-545-7180.

Q: What is the TSAHC income limit for DPA in Lewisville TX?

Approximately $119,700 for 2026 — Lewisville is in Denton County, which has a higher TSAHC limit than Dallas County ($97,200). More Lewisville buyers qualify for TSAHC's 3–5% DPA grant. I'm Bond Peter Njoku (NMLS #2670329). Call 469-545-7180.

I'm Bond Peter Njoku (NMLS #2670329), your Lewisville conventional loan officer. Lewisville in Denton County offers homes priced $280,000–$440,000 with easy I-35E access to both Dallas and Denton. Being in Denton County gives Lewisville buyers a meaningful advantage: a TSAHC DPA income limit of $119,700 — $22,500 higher than Dallas County — meaning more buyers qualify for down payment assistance that can be paired with conventional financing.

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Conventional loan for Lewisville TX homebuyer

Why Conventional in Lewisville?

Lewisville's Denton County location gives buyers a DPA advantage

Lewisville sits in Denton County, just inside I-35E's north corridor — and that county location matters for DPA. Denton County's TSAHC income limit (~$119,700) is higher than Dallas County's (~$97,200). Buyers who earn too much for Dallas County DPA programs often still qualify in Lewisville. I'll check your eligibility and show you whether stacking TSAHC with conventional makes sense for your budget.

For conventional buyers with 680+ credit on Lewisville's $280K–$440K homes, the monthly savings over FHA are substantial — lower PMI, no upfront MIP, and PMI that cancels as equity grows.

Minimum 620 credit (best rates at 680+)
TSAHC income limit: $119,700 — higher than Dallas County
No upfront MIP, PMI cancels at 78% LTV
2026 Denton County loan limit: $806,500
TSAHC 3–5% DPA can stack with conventional

Conventional Loan Basics — Lewisville TX

Minimum credit score	620 (best pricing: 680+)
Down payment	3% – 20%+
Upfront MIP	None
PMI (if <20% down)	Yes — cancels at 78% LTV
TSAHC DPA income limit	~$119,700 (Denton County 2026)
2026 loan limit (Denton County)	$806,500
Typical Lewisville range	$280,000–$440,000

Conventional vs. FHA

Which loan wins for a Lewisville buyer with 700 credit?

	Conventional	FHA
Purchase price	$350,000	$350,000
Down payment (5%)	$17,500	$17,500
Upfront fee	$0	$5,796 (1.75%, rolled in)
Monthly MI	~$113/mo (PMI)	~$240/mo (MIP)
MI removal	Cancels at 80% LTV	Stays for life if <10% down
5-year MI total	~$6,780	~$20,196 (incl. upfront)

Estimates based on 700 credit, 5% down, 30-yr fixed. Actual rates and MI vary.

At 700 credit on a $350,000 Lewisville home, the conventional buyer saves $127/month in mortgage insurance and over $13,000 over 5 years. Add in TSAHC DPA eligibility that extends to $119,700 income, and Lewisville buyers often find conventional with TSAHC assistance is the strongest combination available.

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Common Questions

Conventional loans in Lewisville TX — answered

Who offers conventional loans in Lewisville TX?

I'm Bond Peter Njoku (NMLS #2670329), a licensed mortgage loan officer serving Lewisville and Denton County. I offer conventional, FHA, VA, and USDA loans. Call or text 469-545-7180.

What is the conventional loan limit in Lewisville TX for 2026?

$806,500 for Denton County. Lewisville's full price range falls well within this. I'm Bond Peter Njoku (NMLS #2670329). Call 469-545-7180.

What is the TSAHC income limit for DPA in Lewisville TX?

Approximately $119,700 for 2026 — higher than Dallas County's $97,200. More Lewisville buyers qualify for TSAHC's 3–5% DPA grant. I'm Bond Peter Njoku (NMLS #2670329). Call 469-545-7180.

Is conventional better than FHA for Lewisville buyers?

Above 680 credit, conventional saves $100–$130/month vs. FHA on Lewisville's price range. The TSAHC DPA also applies to both conventional and FHA in Denton County. I'll model the best combination for your situation. I'm Bond Peter Njoku (NMLS #2670329). Call 469-545-7180.

Ready to buy in Lewisville with conventional financing?

I'm Bond Peter Njoku (NMLS #2670329), your Lewisville conventional loan officer. Call, text, or WhatsApp me at 469-545-7180 — I'll check TSAHC eligibility, run conventional vs. FHA, and have pre-approval ready fast.

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Also serving nearby: Lewisville · Conventional in Flower Mound · Conventional in Denton · Conventional Loans Overview · FHA Loans in Lewisville · VA Loans in Lewisville