I'm Bond Peter Njoku (NMLS #2670329), your Dallas DPA specialist. Dallas has the most generous down payment assistance ecosystem in DFW — the Dallas DHAP alone provides up to $60,000 forgivable, and it stacks with TSAHC grants and TDHCA programs. Qualified Dallas first-time buyers can get into a home with zero out of pocket.
The Dallas Down Payment Assistance Program is among the most generous city-level DPA programs in Texas. For first-time buyers purchasing within Dallas city limits, DHAP can fund both the down payment and closing costs — on a $300,000 FHA purchase, the buyer's out-of-pocket cost can be $0.
| Purchase price | $300,000 |
|---|---|
| FHA down payment (3.5%) | $10,500 |
| Estimated closing costs | ~$7,000 |
| Total buyer need | ~$17,500 |
| Dallas DHAP (up to $60K) | Covers all of above |
| TSAHC grant (3.5%) | $10,185 (additional) |
| Buyer out of pocket | $0 |
Availability is income-qualified and subject to funding. Call 469-545-7180 to check current DHAP availability.
| Program | Amount | Repayment | FTHB Required? | Notes |
|---|---|---|---|---|
| Dallas DHAP | Up to $60,000 | Forgivable over 5 yrs | Yes | Dallas city limits only |
| TSAHC Home Sweet Texas | 3–5% of loan | Grant — none | No | Open to all income-eligible |
| TDHCA My First Texas Home | Up to 5% | Deferred, forgiven yr 3 | Yes (or veteran) | Statewide |
| VA Loan | $0 down | None | No | Veterans & active duty |
| FHA + DPA combo | 3.5% loan + grant | Grant portion: none | Depends on DPA | Most common combo I use |
My standard approach for a Dallas first-time buyer at under $97,200 income: start with FHA (580+ credit, 3.5% down), apply Dallas DHAP to cover the down payment and closing costs, and layer TSAHC on top if DHAP is fully subscribed. The result is often a buyer who puts zero down and pays minimal closing costs on a $250,000–$380,000 Dallas home.
Dallas DHAP provides up to $60,000 forgivable (over 5 years) for first-time buyers within Dallas city limits. Pairs with FHA, conventional, VA, USDA. Income limit ~$97,200. I'm Bond Peter Njoku (NMLS #2670329). Call 469-545-7180.
Dallas DHAP up to $60K + TSAHC 3–5% grant + TDHCA up to 5% — stacked together, zero out of pocket is achievable on most FHA-priced homes. I'm Bond Peter Njoku (NMLS #2670329). Call 469-545-7180.
~$97,200 for Dallas County (2026) for TSAHC, TDHCA, and Dallas DHAP. I'm Bond Peter Njoku (NMLS #2670329). Call 469-545-7180 to verify your household income.
I'm Bond Peter Njoku (NMLS #2670329), a licensed mortgage loan officer specializing in Dallas first-time homebuyer DPA stacking. Call or text 469-545-7180.
I'm Bond Peter Njoku (NMLS #2670329). Dallas has the most generous DPA in DFW — let me calculate exactly what you qualify for. Call, text, or WhatsApp me at 469-545-7180.
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