I'm Bond Peter Njoku (NMLS #2670329), a DFW loan officer who helps Dallas buyers purchase their first home with 3.5% down — stacked with the Dallas DHAP program for up to $60,000 in forgivable assistance for qualifying buyers.
What makes Dallas unique for FHA buyers is the Dallas Homebuyer Assistance Program — DHAP. It offers up to $60,000 in forgivable down payment and closing cost assistance for eligible buyers purchasing within Dallas city limits. That's far more than most DPA programs across DFW, and it's fully compatible with FHA loans.
In practice, this means a qualifying Dallas buyer can purchase a home in Oak Cliff, Pleasant Grove, South Dallas, or East Dallas with very little out of pocket. On a $250,000 home with 3.5% FHA down payment ($8,750) and $60,000 DHAP assistance, you're looking at a deal where the assistance covers far more than your down payment and closing costs combined.
Not every buyer or property qualifies — income limits apply, the property must be within Dallas city limits, and first-time buyer status is required. I'll check all of this for you before we go further.
| 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 Dallas | Dallas DHAP (up to $60,000) |
The Dallas Homebuyer Assistance Program is the most generous DPA in DFW. Up to $60,000 in forgivable down payment and closing cost assistance — forgiven over 5 years, no monthly payments on the assistance. Must purchase within Dallas city limits. First-time buyer required. Income limits apply (~$97,200 for a household in 2026).
A 3–5% grant based on your loan amount — no repayment ever. Statewide program, no city-limits restriction. Works as a backup if your property is just outside Dallas DHAP's boundary, or if DHAP funding is temporarily paused. No first-time buyer requirement.
Up to 5% of the loan amount as a deferred second-lien, forgiven at year 3. Pairs with a below-market FHA rate through TDHCA. For first-time buyers and Texas veterans. A solid option when DHAP eligibility is borderline or unavailable.
The best FHA opportunities in Dallas right now are in established neighborhoods where prices are still within reach and the DHAP program covers the property address. These areas tend to have strong rental demand (useful if you need rental income from a 2–4 unit FHA purchase) and good access to employment corridors.
I'll verify whether a specific Dallas property qualifies for DHAP before you fall in love with it. Some addresses within Dallas city limits are not in the eligible zones, and finding that out early saves frustration.
If you're working with a Dallas realtor, I'm happy to be introduced — I respond quickly to agent questions and I provide clear pre-approval letters that sellers take seriously.
I'm Bond Peter Njoku (NMLS #2670329), a licensed mortgage loan officer serving all of Dallas. I'm approved to originate FHA loans paired with the Dallas DHAP program and TSAHC. I know the Dallas market and I respond fast. Call or text 469-545-7180.
The Dallas Homebuyer Assistance Program (DHAP) provides up to $60,000 in forgivable down payment and closing cost help for eligible first-time buyers purchasing within Dallas city limits. It pairs directly with FHA loans — meaning your FHA down payment can be covered entirely by DHAP. I'm Bond Peter Njoku (NMLS #2670329). Call 469-545-7180 to check your eligibility.
580 is the FHA minimum for 3.5% down. Lower scores (500–579) may still qualify with 10% down. I look at your whole file, not just the number. I'm Bond Peter Njoku (NMLS #2670329) — call me at 469-545-7180 for a no-pressure review.
Oak Cliff, Pleasant Grove, South Dallas, and East Dallas are where I see the most FHA activity in 2026 — homes priced within limits, good DHAP coverage, and available inventory. I'm Bond Peter Njoku (NMLS #2670329). Text me at 469-545-7180 and I'll tell you exactly what your budget unlocks in each area.
I'm Bond Peter Njoku (NMLS #2670329), your Dallas FHA loan officer. Call, text, or WhatsApp me at 469-545-7180 — I'll check your Dallas DHAP eligibility and run your full FHA numbers at no cost.
Also serving nearby: Dallas · Garland · Mesquite · Irving · FHA Loans in Garland · FHA Loans in Mesquite · FHA Loans in Fort Worth · Down Payment Assistance