I'm Bond Peter Njoku (NMLS #2670329). One thing that surprises Plano buyers: Collin County's income limit for DPA programs is approximately $119,700 — significantly higher than Dallas or Tarrant County. More Plano buyers qualify than they expect. TSAHC and TDHCA can cover your entire down payment, leaving you to focus on the home search.
| 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 |
Collin County income limits are higher than most DFW counties — a key advantage for Plano buyers who might have assumed they earn too much to qualify.
Dallas County's DPA income limit is ~$97,200. Collin County's is ~$119,700. A dual-income Plano household earning $110,000 would be disqualified in Dallas County but fully eligible in Collin County. This distinction matters on every Plano loan I originate.
| Purchase price | $380,000 |
|---|---|
| Conventional 3% down | $11,400 |
| TSAHC grant (3% of loan) | $11,058 |
| Down from buyer | ~$342 |
| Or: FHA 3.5% + TSAHC 5% | $0 down |
Call 469-545-7180 — I'll run the FHA vs conventional + DPA comparison for your specific scenario.
TSAHC Home Sweet Texas (3–5% grant, no repayment) 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 limit is ~$119,700 for 2026 — higher than Dallas County ($97,200). Many Plano buyers who think they earn too much actually qualify. I'm Bond Peter Njoku (NMLS #2670329). Call 469-545-7180.
Yes — TSAHC works with conventional loans, which matters at Plano's price points where you may want to avoid FHA's 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), licensed mortgage loan officer serving all of Collin County. I originate TSAHC and TDHCA loans for Plano buyers regularly. Call or text 469-545-7180.
I'm Bond Peter Njoku (NMLS #2670329). Collin County's higher income limits mean more Plano buyers qualify than they think. Call or text me at 469-545-7180 to find out in minutes.
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