I'm Bond Peter Njoku (NMLS #2670329), based in neighboring Garland. Richardson is primarily in Dallas County (income limit ~$97,200), with some northern addresses in Collin County (limit ~$119,700). I verify which county your address falls in — that single detail can change whether you qualify for DPA.
| Program | Amount | Repayment | First-Time Only? | Income Limit |
|---|---|---|---|---|
| TSAHC Home Sweet Texas | 3–5% of loan | Grant — no repayment | No | ~$97,200 (Dallas) / ~$119,700 (Collin) |
| TDHCA My First Texas Home | Up to 5% | Deferred, forgiven yr 3 | Yes (or veteran) | ~$97,200 (Dallas) / ~$119,700 (Collin) |
| VA Loan | $0 down | No down payment | No (veteran only) | None |
Richardson straddles the Dallas/Collin county line. I verify your county before quoting — one phone call resolves it.
Most of Richardson falls in Dallas County ($97,200 limit), but homes in the northern part of the city — particularly near the Plano border — may fall in Collin County ($119,700 limit). I run this check on every Richardson application before quoting program eligibility, because a $22,500 difference in income limit can determine whether a dual-income household qualifies.
| Purchase price | $320,000 |
|---|---|
| FHA down payment (3.5%) | $11,200 |
| TSAHC grant (3.5% of loan) | $10,808 |
| TDHCA (up to 5% deferred) | $15,440 |
| Down from buyer | $0 |
Call 469-545-7180 — I'm in neighboring Garland and know Richardson well.
TSAHC Home Sweet Texas (3–5% grant, no repayment) and TDHCA My First Texas Home (up to 5%, forgiven yr 3). Income limit varies by county line — $97,200 (Dallas) or $119,700 (Collin). I'm Bond Peter Njoku (NMLS #2670329). Call 469-545-7180.
Mostly Dallas County ($97,200 limit), with some northern addresses in Collin County ($119,700). I verify your address before quoting. I'm Bond Peter Njoku (NMLS #2670329). Call 469-545-7180.
Not for TSAHC. TDHCA requires FTHB status. I'm Bond Peter Njoku (NMLS #2670329). Call 469-545-7180.
I'm Bond Peter Njoku (NMLS #2670329), based in Garland next door to Richardson. I close TSAHC and FHA loans in Richardson regularly. Call or text 469-545-7180.
I'm Bond Peter Njoku (NMLS #2670329). One call tells you which county your Richardson address is in and how much free money you qualify for. Call or text 469-545-7180.
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