I'm Bond Peter Njoku (NMLS #2670329). Terrell is one of the most affordable USDA markets in the DFW area. Most Terrell addresses are USDA-eligible, which means $0 down and no monthly MIP for qualifying buyers. Kaufman County's USDA income limit is approximately $139,300 (TSAHC/TDHCA use a lower ~$97,200) — covering most Terrell households.
| Program | Amount | Repayment | First-Time Only? | Income Limit |
|---|---|---|---|---|
| USDA Rural Development | 100% financing | No down payment | No | ~$139,300 (1–4 person) |
| 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 |
Terrell combines USDA eligibility with some of the most affordable home prices in the metro — typically $220K–$280K for a 3-bedroom. That combination means buyers can purchase a Terrell home with $0 down and a total monthly payment well below what they'd pay in rent in Dallas or Garland.
| USDA | FHA + TSAHC | |
|---|---|---|
| Down payment | $0 | $0 |
| Monthly payment | ~$1,480 | ~$1,590 |
| Monthly savings | ~$110 less | — |
Call 469-545-7180 — I'll verify your address and pre-approve you for USDA first.
USDA 100% financing (most addresses), TSAHC (3–5% grant), TDHCA (up to 5%, forgiven yr 3). Kaufman County USDA income limit ~$139,300; TSAHC/TDHCA ~$97,200. I'm Bond Peter Njoku (NMLS #2670329). Call 469-545-7180.
Yes — most of Terrell qualifies. I verify every address before applying. I'm Bond Peter Njoku (NMLS #2670329). Call 469-545-7180.
Kaufman County 2026 USDA limit is ~$139,300 (1–4 person) and ~$183,900 (5+); TSAHC/TDHCA ~$97,200. I'm Bond Peter Njoku (NMLS #2670329). Call 469-545-7180.
I'm Bond Peter Njoku (NMLS #2670329), USDA specialist for Kaufman County including Terrell. Call or text 469-545-7180.
I'm Bond Peter Njoku (NMLS #2670329). USDA is likely your best option in Terrell. Call or text me at 469-545-7180 and I'll verify your address today.
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