I'm Bond Peter Njoku (NMLS #2670329), based right here in Garland. Most Garland first-time buyers don't realize how much free money is sitting on the table — TSAHC grants, TDHCA deferred loans, and sometimes Dallas DHAP can stack together to cover your entire down payment and closing costs.
| Program | Amount | Repayment | First-Time Only? | Income Limit (Dallas Co.) |
|---|---|---|---|---|
| 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 |
| Dallas DHAP | Up to $60,000 | Forgivable over 5 yrs | Yes | ~$97,200 |
| USDA (rural areas) | 100% financing | No down payment | No | ~$97,200 |
| VA Loan | $0 down | No down payment | No (veteran only) | None |
Note: Dallas DHAP requires the property to be within Dallas city limits. Many Garland addresses do not qualify, but the TSAHC and TDHCA programs cover all of Garland with no city-boundary restriction. I verify your address eligibility before you apply.
TSAHC's Home Sweet Texas program is the most accessible DPA available in Garland because it has no first-time buyer requirement. Repeat buyers who meet income limits qualify alongside first-timers. The assistance comes as a grant — there's no lien, no repayment, and no restriction on resale.
| Purchase price | $260,000 |
|---|---|
| FHA down payment (3.5%) | $9,100 |
| TSAHC grant (3.5% of loan) | $8,785 |
| TDHCA (up to 5% deferred) | $12,550 |
| Down from buyer | $0 |
| Remaining closing costs | ~$3,000–$5,000 |
Exact stacking depends on program availability and your profile. Call 469-545-7180 — I'll run your specific scenario.
TSAHC Home Sweet Texas (3–5% grant, no repayment, open to all), TDHCA My First Texas Home (up to 5%, forgiven yr 3, first-timers), and possibly Dallas DHAP (up to $60K, forgivable, must be within Dallas city limits). I'm Bond Peter Njoku (NMLS #2670329). Call 469-545-7180.
No — TSAHC does not require first-time buyer status. TDHCA and Dallas DHAP do. I'm Bond Peter Njoku (NMLS #2670329). Call 469-545-7180 and I'll match you with the programs you qualify for.
Dallas County 2026 income limits are approximately $97,200 for TSAHC and TDHCA programs. Most Garland buyers fall within this range. I'm Bond Peter Njoku (NMLS #2670329). Call 469-545-7180 to verify.
I'm Bond Peter Njoku (NMLS #2670329), based at 1919 S. Shiloh Rd, Suite 518 in Garland. I stack DPA programs onto FHA loans for Garland buyers every month. Call 469-545-7180.
I'm Bond Peter Njoku (NMLS #2670329), your Garland DPA specialist. I'm based locally — call, text, or WhatsApp me at 469-545-7180 and I'll stack every program you're eligible for.
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