What down payment assistance programs are available in Garland and Dallas, TX?
Garland and Dallas area buyers can access several programs. TSAHC Home Sweet Texas provides a 3–5% grant that never has to be repaid — no first-time buyer requirement. TDHCA My First Texas Home offers up to 5% DPA paired with a below-market 30-year rate, designed for first-time buyers and veterans. The City of Dallas DHAP (Dallas Homebuyer Assistance Program) can provide up to $60,000 for qualified buyers purchasing in Dallas city limits. I'm Bond Peter Njoku (NMLS #2670329), a licensed loan officer in Garland, and I can match you to the right program.
Do I have to be a first-time homebuyer to get down payment assistance in Texas?
Not for all programs. TSAHC's Home Sweet Texas program is open to any qualified buyer — not just first-timers. However, TDHCA My First Texas Home and many city-specific programs (like Dallas DHAP) do require that you have not owned a home in the past three years. Veterans often receive exceptions. Call or text me at 469-545-7180 to check which programs you qualify for.
Can I stack down payment assistance with an FHA loan?
Yes — this is one of the most powerful combinations available. TSAHC and TDHCA programs are specifically designed to work alongside FHA loans. The DPA covers your 3.5% down payment, meaning you could buy a home with little to no money out of pocket for the down payment. You still need to cover some closing costs unless seller concessions or closing cost assistance is layered in as well. Ask me how to structure this for your situation.
What is the income limit for Texas down payment assistance programs?
Income limits vary by program and county. For TSAHC in the Dallas-Fort Worth area, the 2026 income limit for most counties is approximately $97,000–$115,000 for households up to 4 people, with higher limits for larger households. Dallas DHAP has its own limits based on area median income. TDHCA My First Texas Home uses HUD income limits by county. These limits change annually — contact me, Bond Peter Njoku (NMLS #2670329), for current 2026 limits and to verify you qualify.
Is there down payment assistance for veterans in Texas?
Yes. Veterans using a VA loan already benefit from $0 down payment, but can also access Texas Veterans Land Board (VLB) programs and TSAHC assistance for closing costs. For veterans who don't use VA financing, TDHCA My First Texas Home waives the first-time buyer requirement for qualified veterans. I specialize in VA loans and know how to maximize benefits for Texas veterans buying in the DFW area.
How do I apply for down payment assistance in Texas?
You apply through a TSAHC- or TDHCA-approved lender — not directly with the state programs. I'm Bond Peter Njoku, a licensed mortgage loan officer (NMLS #2670329), and I work with these programs. The process: (1) Get pre-approved for a mortgage, (2) I identify which DPA programs you qualify for, (3) DPA funds are incorporated into your closing. Call/text 469-545-7180 or apply online to start.
