I'm Bond Peter Njoku (NMLS #2670329). Prosper is a premium Collin County market with an income limit of approximately $119,700 for DPA programs — the highest in DFW. The nuance here is Prosper's price points: many homes run $500K–$700K, which can exceed TSAHC's purchase price cap. I verify this before you go under contract so there are no surprises.
| Program | Amount | Price Limit | Income Limit (Collin Co.) |
|---|---|---|---|
| TSAHC Home Sweet Texas | 3–5% grant | ~$481K (non-targeted) | ~$119,700 |
| TDHCA My First Texas Home | Up to 5% deferred | ~$481K (varies) | ~$119,700 |
| VA Loan | $0 down, no PMI | No limit (full entitlement) | No limit |
| Conventional 3–5% down | Low down payment | Up to ~$806,500 (conforming) | N/A |
Many Prosper homes exceed the TSAHC purchase price cap. I verify your home's eligibility before quoting — one call confirms it.
Collin County's $119,700 income limit is a real advantage for Prosper buyers — but TSAHC also has a purchase price cap (~$481K in non-targeted areas). A Prosper buyer earning $110,000 and buying at $540K qualifies on income but not on price. My job is to identify this early and route to the right loan: conventional for non-veterans, VA if they've served.
| Home price | TSAHC eligible? | Best option |
|---|---|---|
| $420,000 | Yes | TSAHC + FHA or conventional |
| $520,000 | No (over cap) | VA (veterans) or conventional |
| $700,000 | No | VA (veterans) or conventional |
Call 469-545-7180 — I'll run your specific Prosper home against current limits.
TSAHC (3–5% grant, ~$481K price limit), TDHCA (up to 5%, ~$481K limit), VA ($0 down for veterans, no price limit). Collin County income limit ~$119,700. I'm Bond Peter Njoku (NMLS #2670329). Call 469-545-7180.
Collin County 2026 limit is ~$119,700 — highest in DFW. But Prosper's price points often exceed TSAHC's purchase price cap. I check both before quoting. I'm Bond Peter Njoku (NMLS #2670329). Call 469-545-7180.
Yes — VA has no purchase price limit for veterans using full entitlement. A $650K Prosper home is fully accessible with $0 down and no PMI. I'm Bond Peter Njoku (NMLS #2670329). Call 469-545-7180.
I'm Bond Peter Njoku (NMLS #2670329), serving all of Collin County including Prosper. I originate conventional, TSAHC, and VA loans in Prosper. Call or text 469-545-7180.
I'm Bond Peter Njoku (NMLS #2670329). One call and I'll tell you whether your Prosper home qualifies for TSAHC, or whether VA or conventional is the better path. Call or text 469-545-7180.
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