I'm Bond Peter Njoku (NMLS #2670329). Frisco's Collin County location gives buyers an income limit of approximately $119,700 — meaningfully higher than nearby Dallas County cities. TSAHC's grant pairs with both FHA and conventional loans, which matters in Frisco where buyers often want to avoid FHA's lifetime mortgage insurance.
| 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 |
At $400K+, the FHA mortgage insurance premium adds meaningful monthly cost — roughly $200–$250/month that disappears once you hit 20% equity on conventional. TSAHC pairs with conventional, which means Frisco buyers with 620+ credit can get their down payment covered without taking on FHA's lifetime MIP.
| Purchase price | $410,000 |
|---|---|
| Conventional 3% down | $12,300 |
| TSAHC grant (3% of loan) | $11,961 |
| Down from buyer | ~$339 |
| Monthly savings vs FHA | ~$220/month (no MIP) |
Call 469-545-7180 — I'll run the FHA vs conventional + DPA comparison for Frisco.
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.
Collin County 2026 limit is ~$119,700 — higher than Dallas County ($97,200). Even dual-income Frisco households often qualify. I'm Bond Peter Njoku (NMLS #2670329). Call 469-545-7180.
Yes — at Frisco's price points conventional + TSAHC often beats FHA + TSAHC because conventional has no lifetime MIP. I'm Bond Peter Njoku (NMLS #2670329). Call 469-545-7180 and I'll run both scenarios.
I'm Bond Peter Njoku (NMLS #2670329), serving all of Collin County including Frisco. I close TSAHC loans with both FHA and conventional in Frisco regularly. Call or text 469-545-7180.
I'm Bond Peter Njoku (NMLS #2670329). Collin County's $119,700 income limit gives Frisco buyers more flexibility than they expect. Call or text me at 469-545-7180.
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