I'm Bond Peter Njoku (NMLS #2670329). McKinney sits in Collin County — and Collin County's DPA income limit is approximately $119,700, one of the highest in all of DFW. Both first-time buyers and repeat buyers purchasing in McKinney have more room to qualify than they typically assume.
| 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 |
A large portion of McKinney buyers are move-up purchasers — coming from a smaller home in Garland or Dallas and stepping into McKinney's newer construction. Because TSAHC has no first-time buyer requirement, a McKinney buyer who sold their prior home six months ago is still fully eligible for the grant, as long as income is within the $119,700 Collin County limit.
| Purchase price | $360,000 |
|---|---|
| Conventional 3% down | $10,800 |
| TSAHC grant (3% of loan) | $10,476 |
| Down from buyer | ~$324 |
| Or: FHA 3.5% + TSAHC 5% | $0 down |
Call 469-545-7180 — I'll compare FHA vs conventional + DPA for your McKinney home.
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 is ~$119,700. I'm Bond Peter Njoku (NMLS #2670329). Call 469-545-7180.
Collin County's 2026 limit is ~$119,700 — higher than Dallas County ($97,200). A dual-income household earning $115K would qualify in McKinney but not in Garland. I'm Bond Peter Njoku (NMLS #2670329). Call 469-545-7180.
Yes — TSAHC has no first-time buyer requirement. As long as your income is under $119,700 and your credit is 620+, you can use TSAHC's grant on a McKinney purchase even if you've owned before. I'm Bond Peter Njoku (NMLS #2670329). Call 469-545-7180.
I'm Bond Peter Njoku (NMLS #2670329), a licensed mortgage loan officer serving Collin County. I close TSAHC and conventional loans in McKinney regularly. Call or text 469-545-7180.
I'm Bond Peter Njoku (NMLS #2670329). Collin County's $119,700 income limit opens the door for more McKinney buyers than most lenders tell you. Call or text me at 469-545-7180.
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