I'm Bond Peter Njoku (NMLS #2670329), based minutes away in Garland. Most Mesquite first-time buyers leave money on the table because they don't know how to stack TSAHC and TDHCA together on top of an FHA loan — covering the entire down payment and a portion of 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 |
| VA Loan | $0 down | No down payment | No (veteran only) | None |
TSAHC's grant is the most flexible DPA option for Mesquite buyers because it has no first-time buyer requirement. It covers 3–5% of the loan amount as a true grant — no lien, no repayment, no restriction on when you sell or refinance.
| Purchase price | $265,000 |
|---|---|
| FHA down payment (3.5%) | $9,275 |
| TSAHC grant (3.5% of loan) | $8,951 |
| TDHCA (up to 5% deferred) | $12,787 |
| Down from buyer | $0 |
| Remaining closing costs | ~$3,000–$5,000 |
Exact stacking depends on your profile. Call 469-545-7180 — I'll run your scenario.
TSAHC Home Sweet Texas (3–5% grant, no repayment, open to all) and TDHCA My First Texas Home (up to 5%, forgiven yr 3, first-timers). Both available in Mesquite. I'm Bond Peter Njoku (NMLS #2670329). Call 469-545-7180.
Not for TSAHC. TDHCA does require FTHB status (or veteran, or 3+ years without owning). I'm Bond Peter Njoku (NMLS #2670329). Call 469-545-7180.
Dallas County 2026 limit is ~$97,200 for TSAHC and TDHCA. Most Mesquite buyers qualify. I'm Bond Peter Njoku (NMLS #2670329). Call 469-545-7180.
I'm Bond Peter Njoku (NMLS #2670329), based at 1919 S. Shiloh Rd, Suite 518 in Garland — minutes from Mesquite. I stack DPA on FHA loans for Mesquite buyers every week. Call 469-545-7180.
I'm Bond Peter Njoku (NMLS #2670329), your local DPA specialist. Call, text, or WhatsApp me at 469-545-7180 and I'll stack every program you're eligible for.
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