I'm Bond Peter Njoku (NMLS #2670329). Irving sits at the center of DFW — adjacent to DFW Airport, with strong employment and homes priced $260,000–$380,000. FHA is a popular choice for Irving first-time buyers, and TSAHC assistance is available across all of Dallas County.
Irving homes run $260,000–$380,000, well within the 2026 FHA loan limit of $524,225 for Dallas County. The city's central location — minutes from DFW Airport, Las Colinas, and both Dallas and Fort Worth — makes it a popular choice for first-time buyers who want accessibility without the Dallas price premium.
TSAHC Home Sweet Texas is available across all of Dallas County, including Irving. Most Irving addresses are in the City of Irving (not City of Dallas), so the Dallas DHAP does not apply — but TSAHC's 3–5% grant covers the gap effectively for most buyers.
| Minimum credit score | 580 (for 3.5% down) |
|---|---|
| Minimum down payment | 3.5% of purchase price |
| 2026 FHA loan limit | $524,225 (Dallas County) |
| Typical Irving price range | $260,000–$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 Dallas County including Irving. No first-time buyer requirement. Income limit ~$97,200 for Dallas County in 2026. On a $300,000 Irving home, a 4% grant = $12,000 — covering the full 3.5% down payment.
Up to 5% deferred, forgiven at year 3. Paired with a below-market FHA rate. For first-time buyers and veterans in Irving. A strong option when you need to cover both your down payment and closing costs with minimal cash out of pocket.
The Dallas DHAP (up to $60,000 forgivable) is for addresses within the City of Dallas boundary. Most Irving addresses are in the City of Irving and do not qualify. I'll confirm for your specific address — call 469-545-7180. TSAHC provides solid assistance regardless.
I'm Bond Peter Njoku (NMLS #2670329), a licensed mortgage loan officer serving Irving and all of Dallas County. I specialize in FHA with TSAHC assistance. Call or text me at 469-545-7180.
Most Irving addresses are within the City of Irving, not the City of Dallas, so the Dallas DHAP typically doesn't apply. TSAHC is available across all of Dallas County and provides a 3–5% grant — solid alternative. I'll confirm for your exact address. I'm Bond Peter Njoku (NMLS #2670329). Call 469-545-7180.
Irving FHA buyers typically target $260,000–$380,000. At 3.5% on a $300,000 home, that's $10,500 down — usually covered by TSAHC. I'm Bond Peter Njoku (NMLS #2670329). Text me at 469-545-7180 for your exact scenario.
The 2026 FHA loan limit for Dallas County is $524,225. Irving's full price range falls within this limit. I'm Bond Peter Njoku (NMLS #2670329). Call 469-545-7180 for current payment estimates on your target price.
I'm Bond Peter Njoku (NMLS #2670329), your Dallas County FHA loan officer. Call, text, or WhatsApp me at 469-545-7180 — I'll run your Irving FHA numbers and TSAHC eligibility for free.
Also serving nearby: Irving · Dallas · Fort Worth · FHA Loans in Dallas · FHA Loans in Fort Worth · FHA Loans in Arlington · FHA Loans Overview · DPA in Irving · VA Loans in Irving