I'm Bond Peter Njoku (NMLS #2670329). Southlake is one of DFW's premium markets — most homes run $600K–$1M. At those price points, TSAHC's purchase price cap applies, and VA becomes the strongest zero-down option for eligible veterans. I'll tell you exactly what applies to your home before you go under contract.
| Program | Amount | Purchase Price Limit | Best For |
|---|---|---|---|
| VA Loan | $0 down, no PMI | No limit (conforming entitlement) | Veterans — the strongest option in Southlake |
| TSAHC Home Sweet Texas | 3–5% of loan | ~$481K (non-targeted areas) | Non-veterans buying under $481K |
| TDHCA My First Texas Home | Up to 5% deferred | ~$481K (varies) | First-time buyers under $481K |
| Conventional 3% down | Low down payment | Conforming loan limit (~$806,500) | Non-veterans above TSAHC price limit |
The VA guaranty has no purchase price limit for buyers using their full entitlement — a veteran can finance a $900K Southlake home with $0 down (subject to lender guidelines and credit approval). There's no PMI, no monthly MIP, and VA rates are typically competitive with conventional. It's the most powerful mortgage tool available and it's underused in premium markets.
| VA | Conv. 10% down | |
|---|---|---|
| Down payment | $0 | $75,000 |
| Monthly PMI | $0 | ~$500/month |
| Funding fee (one-time) | ~$15,900 | N/A |
Call 469-545-7180 — I'll compare VA vs conventional for your specific Southlake purchase.
TSAHC has a purchase price limit (~$481K in non-targeted areas). Many Southlake homes exceed this. For homes above the cap, VA (veterans) or conventional is the right approach. I'm Bond Peter Njoku (NMLS #2670329). Call 469-545-7180.
Yes — VA has no purchase price limit for buyers using full entitlement. A veteran can finance a $900K Southlake home with $0 down, no PMI, subject to credit and income qualification. I'm Bond Peter Njoku (NMLS #2670329). Call 469-545-7180.
TSAHC Tarrant County limit is ~$97,200. VA has no income limit. Given Southlake's price points, VA is the most applicable zero-down option here. I'm Bond Peter Njoku (NMLS #2670329). Call 469-545-7180.
I'm Bond Peter Njoku (NMLS #2670329), serving Tarrant County including Southlake. I originate VA and conventional loans for Southlake buyers. Call or text 469-545-7180.
I'm Bond Peter Njoku (NMLS #2670329). Whether it's VA with $0 down or TSAHC on a lower-priced Southlake home, I'll tell you exactly what applies. Call or text 469-545-7180.
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