I'm Bond Peter Njoku (NMLS #2670329), a DFW loan officer helping Arlington buyers purchase their first home with 3.5% down — paired with TSAHC or TDHCA down payment assistance to keep closing costs low.
Arlington is mid-DFW — halfway between Dallas and Fort Worth, with its own major employers (GM Financial, University of Texas Arlington, Texas Health Resources, Six Flags, Globe Life Park), and a housing market that still has room for first-time buyers. Homes in the $210,000–$360,000 range are within FHA limits for Tarrant County, and the combination of a large renter population and strong job base means buyer demand is steady.
Arlington doesn't have its own city-level DPA program the way Dallas and Fort Worth do, but TSAHC's statewide grant covers Arlington buyers cleanly — 3–5% of your loan amount, no repayment, no first-time buyer requirement. On a $260,000 FHA purchase, a 4% TSAHC grant covers $10,400 — more than your entire 3.5% down payment.
| Minimum credit score | 580 (for 3.5% down) |
|---|---|
| Minimum down payment | 3.5% of purchase price |
| Down payment source | Savings, gift funds, or DPA |
| Debt-to-income ratio | Up to 57% (case by case) |
| Property types | Single-family, condo, 2–4 unit |
| Mortgage insurance | Upfront MIP + annual MIP |
| Best DPA for Arlington | TSAHC (3–5% grant, no repay) |
A 3–5% grant on your loan amount — no repayment, ever. Statewide program covering all of Arlington. No first-time buyer requirement. Income limits apply (~$97,200 for Tarrant County in 2026). This is typically the strongest and simplest DPA option for Arlington buyers.
Up to 5% of your loan as a deferred second-lien, forgiven at year 3. Pairs with a competitive FHA rate through TDHCA. For first-time buyers and Texas veterans in Arlington. Income limits apply. A solid choice if TSAHC grant isn't available or you want to maximize assistance.
A small portion of western Arlington may be eligible for the Fort Worth Homebuyer Assistance Program depending on city-limit boundaries. I'll verify your specific address — it's worth checking before we rule it out, since HAP provides up to $25,000 forgivable.
Arlington's housing inventory for FHA buyers spans a wide range of neighborhoods and price points. The mid-city and south Arlington areas offer starter homes, while north Arlington near the Texas Rangers stadium corridor has seen steady appreciation. UTA students and staff often look east of campus. The west side near Fort Worth borders gives access to both cities' employment.
Arlington also has a large active-duty and veteran population connected to NAS JRB Fort Worth and other nearby installations — if you've served, you may want to compare FHA and VA side by side. VA has no monthly mortgage insurance and $0 down. I'll show you both options so you can make an informed choice.
I'm Bond Peter Njoku (NMLS #2670329), a licensed mortgage loan officer serving all of DFW including Arlington. I help Arlington buyers qualify for FHA loans and pair them with TSAHC and TDHCA down payment assistance. Call or text 469-545-7180 — I respond same day.
TSAHC Home Sweet Texas (3–5% grant, no repayment) is the primary option for Arlington FHA buyers — it covers all of Texas with no city-limits requirement. TDHCA My First Texas Home (up to 5% deferred) is also available. I'm Bond Peter Njoku (NMLS #2670329). Call 469-545-7180 and I'll match you to the best fit.
580 minimum for the 3.5% down option. Scores from 500–579 may qualify with 10% down. I look at your full profile and tell you exactly where you stand. I'm Bond Peter Njoku (NMLS #2670329). Call me at 469-545-7180 for a free, no-obligation review.
If you're a veteran or active duty, VA is almost always the better choice — $0 down, no monthly mortgage insurance, and competitive rates. FHA is the right fit for non-veterans or buyers who don't have full VA entitlement. I'm Bond Peter Njoku (NMLS #2670329) and I originate both. Call 469-545-7180 and I'll run both scenarios for you side by side.
I'm Bond Peter Njoku (NMLS #2670329), your DFW FHA loan officer. Call, text, or WhatsApp me at 469-545-7180 — I'll check your DPA eligibility and run your full Arlington FHA numbers at no cost.
Also serving nearby: Arlington · Fort Worth · Mansfield · Irving · FHA Loans in Fort Worth · FHA Loans in Dallas · VA Loans · FHA Loans Overview