I'm Bond Peter Njoku (NMLS #2670329). Denton is home to UNT and TWU, a growing medical corridor, and some of DFW's most accessible first-time buyer inventory at $270,000–$380,000. FHA with TSAHC is the most common path for Denton first-time buyers — low down payment, flexible credit, and a grant that doesn't need to be paid back.
Denton's mix of educators, healthcare workers, and recent UNT/TWU graduates makes it one of the strongest FHA markets in Denton County. Buyers here often have steady income but haven't had time to accumulate a large down payment — exactly what FHA is designed for. The 3.5% minimum down with 580+ credit and TSAHC grant assistance makes homeownership accessible without waiting years to save.
Denton County's income limit for TSAHC is approximately $119,700 — one of the highest in DFW — which means most Denton buyers qualify. At 4% on a $300,000 loan, that's a $12,000 grant covering the full down payment.
| Minimum credit score | 580 (for 3.5% down) |
|---|---|
| Minimum down payment | 3.5% of purchase price |
| 2026 FHA loan limit | $524,225 (Denton County) |
| Typical Denton price range | $270,000–$380,000 |
| Debt-to-income ratio | Up to 57% (case by case) |
| Mortgage insurance | Upfront MIP + annual MIP |
| DPA compatibility | TSAHC, TDHCA |
A 3–5% grant on your loan amount — no repayment, ever. Available across all of Denton County. Income limit ~$119,700 for 2026 — among the highest in DFW. No first-time buyer requirement. On a $300,000 Denton home, a 4% grant = $12,000, covering the full 3.5% down payment and contributing to closing costs.
Up to 5% deferred, forgiven at year 3. Paired with a below-market FHA rate. For first-time buyers and veterans in Denton. An excellent option for recent graduates buying their first home who want both down payment and closing cost coverage.
If you've recently graduated from UNT or TWU and are buying your first home in Denton, FHA is typically your most accessible path. I've helped buyers in exactly this situation — stable new job, no large down payment yet, but good income and credit being built. Call 469-545-7180 and tell me your situation.
I'm Bond Peter Njoku (NMLS #2670329), a licensed mortgage loan officer serving Denton and all of Denton County. I specialize in FHA loans with TSAHC assistance. Call or text me at 469-545-7180.
Denton homes run $270,000–$380,000, all within Denton County's FHA limit of $524,225. At 3.5% on a $300,000 home, that's $10,500 — often fully covered by TSAHC. I'm Bond Peter Njoku (NMLS #2670329). Call 469-545-7180 for exact numbers.
Yes. Denton County buyers qualify for TSAHC — income limit ~$119,700, no FTHB requirement. A 4% grant on a $300,000 loan = $12,000. I'm Bond Peter Njoku (NMLS #2670329). Call 469-545-7180.
Yes. FHA's 580+ credit minimum and 3.5% down makes it the most accessible path for buyers who are new to credit or rebuilding. Combined with TSAHC, many Denton first-time buyers close with minimal cash out of pocket. I'm Bond Peter Njoku (NMLS #2670329). Text me at 469-545-7180.
I'm Bond Peter Njoku (NMLS #2670329), your Denton County FHA loan officer. Call, text, or WhatsApp me at 469-545-7180 — I'll run your Denton FHA numbers and TSAHC eligibility for free.
Also serving nearby: Denton · Lewisville · Flower Mound · FHA Loans in Lewisville · FHA Loans in Flower Mound · FHA Loans in Grapevine · FHA Loans Overview · DPA in Denton · VA Loans in Denton