I'm Bond Peter Njoku (NMLS #2670329). Allen sits in Collin County, where the 2026 DPA income limit is approximately $119,700 — the highest tier in DFW. Both TSAHC and TDHCA are available here, and TSAHC requires no first-time buyer status, which makes it accessible to a much wider group of Allen buyers than most realize.
| Program | Amount | Repayment | First-Time Only? | Income Limit (Collin Co.) |
|---|---|---|---|---|
| TSAHC Home Sweet Texas | 3–5% of loan | Grant — no repayment | No | ~$119,700 |
| TDHCA My First Texas Home | Up to 5% | Deferred, forgiven yr 3 | Yes (or veteran) | ~$119,700 |
| VA Loan | $0 down | No down payment | No (veteran only) | None |
The most common thing I hear from Allen buyers is: "I figured we earn too much to qualify." Collin County's $119,700 income limit changes that calculation. A teacher + police officer household earning $105,000 would be disqualified in Dallas County but fully eligible in Allen. I run this comparison for Allen buyers on every call.
| Purchase price | $355,000 |
|---|---|
| Conventional 3% down | $10,650 |
| TSAHC grant (3% of loan) | $10,332 |
| Down from buyer | ~$318 |
| Or: FHA 3.5% + TSAHC 5% | $0 down |
Call 469-545-7180 — I'll compare FHA vs conventional for your Allen purchase.
TSAHC Home Sweet Texas (3–5% grant, no repayment, no FTHB requirement) and TDHCA My First Texas Home (up to 5%, forgiven yr 3). Collin County income limit ~$119,700. I'm Bond Peter Njoku (NMLS #2670329). Call 469-545-7180.
Not for TSAHC — it's open to all buyers who meet income and credit requirements. TDHCA requires FTHB status or veteran status. I'm Bond Peter Njoku (NMLS #2670329). Call 469-545-7180.
Collin County 2026 limit is ~$119,700 — much higher than Dallas County's $97,200. Many Allen buyers qualify who assume they earn too much. I'm Bond Peter Njoku (NMLS #2670329). Call 469-545-7180.
I'm Bond Peter Njoku (NMLS #2670329), serving Collin County including Allen. I close TSAHC loans with FHA and conventional in Allen regularly. Call or text 469-545-7180.
I'm Bond Peter Njoku (NMLS #2670329). Allen's Collin County location means more buyers qualify than anywhere else in DFW. Call or text me at 469-545-7180 to run your numbers.
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