I'm Bond Peter Njoku (NMLS #2670329). Forney is one of the few DFW cities with multiple paths to $0 down — USDA 100% financing for eligible addresses, TSAHC's grant stacked on FHA for the rest. Kaufman County's USDA income limit is approximately $139,300 (TSAHC/TDHCA use a lower ~$97,200), which covers most Forney households.
| Program | Amount | Repayment | First-Time Only? | Income Limit (Kaufman Co.) |
|---|---|---|---|---|
| USDA Rural Development | 100% financing | No down payment | No | ~$139,300 (1–4 person) |
| TSAHC Home Sweet Texas | 3–5% of loan | Grant — no repayment | No | ~$97,200 |
| TDHCA My First Texas Home | Up to 5% | Deferred, forgiven yr 3 | Yes (or veteran) | ~$97,200 |
| VA Loan | $0 down | No down payment | No (veteran only) | None |
USDA eligibility is address-specific in Forney. I verify every address before quoting USDA — call or text me and I'll check yours immediately.
If your Forney address is USDA-eligible, USDA beats TSAHC+FHA on monthly payment — no down payment and no monthly MIP (just a one-time guarantee fee). If your address isn't USDA-eligible, TSAHC stacked on FHA still gets you to zero down, at a slightly higher monthly payment due to FHA's MIP.
| USDA | TSAHC + FHA | |
|---|---|---|
| Down payment | $0 | $0 |
| Monthly MIP/fee | ~$58 | ~$168 |
| Address req. | Rural-eligible only | Any Forney address |
Call 469-545-7180 — I'll verify your address and quote both scenarios.
USDA 100% financing (eligible addresses), TSAHC Home Sweet Texas (3–5% grant, no repayment), and TDHCA My First Texas Home (up to 5%, forgiven yr 3). Kaufman County DPA income limit ~$97,200; USDA is higher at ~$139,300. I'm Bond Peter Njoku (NMLS #2670329). Call 469-545-7180.
Parts of Forney are USDA-eligible — particularly outer fringes. The city has grown rapidly and some addresses have been reclassified. I verify every address before quoting. I'm Bond Peter Njoku (NMLS #2670329). Call 469-545-7180.
Kaufman County 2026 limits: ~$97,200 for TSAHC and TDHCA, ~$139,300 for USDA (1–4 person household). I'm Bond Peter Njoku (NMLS #2670329). Call 469-545-7180 to verify.
I'm Bond Peter Njoku (NMLS #2670329), specializing in Kaufman County USDA loans and TSAHC for Forney buyers. Call or text 469-545-7180.
I'm Bond Peter Njoku (NMLS #2670329). I'll verify your Forney address for USDA eligibility and stack TSAHC if it's not. Call or text me at 469-545-7180.
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