I'm Bond Peter Njoku (NMLS #2670329). Frisco is one of the fastest-growing cities in the country — and FHA makes it reachable for first-time buyers who don't have a large down payment saved. With Collin County's higher income limits and TSAHC assistance, the numbers often work better than buyers expect.
Frisco homes typically run $400,000–$600,000 with many new construction communities in the $420,000–$500,000 range that fit comfortably within the 2026 FHA loan limit of $524,225 for Collin County. FHA's 3.5% down requirement means a $450,000 home needs just $15,750 down — and TSAHC's 3–5% grant can cover that entirely for qualified buyers.
First-time buyers in Frisco benefit from Collin County's income limit of ~$119,700, which is higher than Dallas or Tarrant County, meaning more buyers qualify for TSAHC and TDHCA assistance in this market.
| Minimum credit score | 580 (for 3.5% down) |
|---|---|
| Minimum down payment | 3.5% of purchase price |
| 2026 FHA loan limit | $524,225 (Collin County) |
| Typical Frisco price range | $400,000–$600,000 |
| 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 Collin County including Frisco. No first-time buyer requirement. Income limit ~$119,700 for Collin County in 2026. On a $450,000 Frisco home, a 4% grant = $18,000 — more than the entire 3.5% down payment.
Up to 5% of your loan amount as a deferred second-lien, forgiven at year 3. Paired with a below-market FHA rate. For first-time buyers and veterans in Frisco. Income limits apply. Can be layered with TSAHC in some scenarios to cover both down payment and closing costs.
Frisco builders often offer their own closing cost incentives when you use their preferred lender — but those deals frequently require you to sacrifice rate or terms. I'll compare the builder's offer against FHA with TSAHC so you know which path actually saves you more money over 5 years.
I'm Bond Peter Njoku (NMLS #2670329), a licensed mortgage loan officer serving Frisco and all of Collin County. I help Frisco buyers get pre-approved for FHA and identify the best DPA combination. Call or text 469-545-7180.
The 2026 FHA loan limit for Collin County is $524,225. Frisco's typical range of $400,000–$600,000 means most homes — especially new construction in the $420K–$500K range — fall within the limit. Homes above $524,225 need conventional or jumbo financing. I'm Bond Peter Njoku (NMLS #2670329). Call 469-545-7180.
Yes. TSAHC (3–5% grant) and TDHCA (up to 5% deferred) both work in Frisco. With the Collin County income limit of ~$119,700, many Frisco buyers qualify even with two incomes. I'm Bond Peter Njoku (NMLS #2670329). Call 469-545-7180 and I'll tell you exactly what you qualify for.
For buyers with 580–680 credit or under 10% saved, FHA with TSAHC typically wins. For buyers with 700+ credit and 10%+ saved, conventional often makes more sense long-term. I'll run both scenarios side-by-side for your specific Frisco purchase. I'm Bond Peter Njoku (NMLS #2670329). Text me at 469-545-7180.
I'm Bond Peter Njoku (NMLS #2670329), your Collin County FHA loan officer. Call, text, or WhatsApp me at 469-545-7180 and I'll run your Frisco FHA numbers — including builder vs. TSAHC comparison — for free.
Also serving nearby: Frisco · Plano · McKinney · FHA Loans in Plano · FHA Loans in Allen · FHA Loans in McKinney · FHA Loans Overview · DPA in Frisco · VA Loans in Frisco