I'm Bond Peter Njoku (NMLS #2670329). Richardson sits on the Dallas/Collin county border — home to the Telecom Corridor, established neighborhoods, and homes priced $280,000–$420,000. FHA buyers here have access to multiple DPA programs including TSAHC and, for qualifying addresses, the Dallas DHAP.
Richardson is one of DFW's most established mid-tier markets — older neighborhoods with solid bones, good schools, and a job market anchored by the Telecom Corridor. Homes run $280,000–$420,000, well within the 2026 FHA loan limit of $524,225 for both Dallas and Collin counties.
Richardson's county-border position is notable for DPA: buyers with addresses in the Dallas city boundary may qualify for the Dallas DHAP (up to $60,000 forgivable), while all Richardson buyers qualify for TSAHC. I'll check the specific address before building your DPA strategy.
| Minimum credit score | 580 (for 3.5% down) |
|---|---|
| Minimum down payment | 3.5% of purchase price |
| 2026 FHA loan limit | $524,225 (Dallas/Collin Co.) |
| Typical Richardson price range | $280,000–$420,000 |
| Debt-to-income ratio | Up to 57% (case by case) |
| Mortgage insurance | Upfront MIP + annual MIP |
| DPA compatibility | TSAHC, TDHCA, Dallas DHAP* |
*Dallas DHAP for addresses within Dallas city limits only — I'll verify.
A 3–5% grant — no repayment, ever. Available across all of Richardson. No first-time buyer requirement. Income limit ~$97,200 for Dallas County or ~$119,700 for Collin County portions of Richardson (2026). This is available to every Richardson buyer regardless of which side of the county line their home is on.
Up to $60,000 forgivable over 5 years. Available for addresses within the City of Dallas boundary — some Richardson addresses qualify. First-time buyer required. I'll check your specific address before including this in your plan. When it's available, it's the strongest DPA in DFW.
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 throughout Richardson. A strong fallback or complement when Dallas DHAP isn't available for your address.
I'm Bond Peter Njoku (NMLS #2670329), a licensed mortgage loan officer serving Richardson and nearby Garland, Plano, and Dallas. I specialize in FHA with down payment assistance. Text or call me at 469-545-7180.
Possibly — the Dallas DHAP applies to addresses within Dallas city limits. Some Richardson properties fall within that boundary. I'll check the exact address before we include it in your plan. When it's available, it can provide up to $60,000 forgivable. I'm Bond Peter Njoku (NMLS #2670329). Call 469-545-7180.
Richardson FHA buyers typically target $280,000–$420,000. At 3.5% on a $330,000 home, that's $11,550 down — often covered by TSAHC. I'm Bond Peter Njoku (NMLS #2670329). Text me at 469-545-7180 and I'll calculate your exact payment.
Established construction, solid school ratings, and Telecom Corridor employment make Richardson homes easy to appraise and stable long-term. FHA's price range fits the market well. I'm Bond Peter Njoku (NMLS #2670329). Call 469-545-7180.
I'm Bond Peter Njoku (NMLS #2670329), your DFW FHA loan officer. Call, text, or WhatsApp me at 469-545-7180 — I'll run your Richardson FHA numbers and check Dallas DHAP eligibility for your specific address.
Also serving nearby: Richardson · Plano · Garland · FHA Loans in Plano · FHA Loans in Garland · FHA Loans in Dallas · FHA Loans Overview · DPA in Richardson · VA Loans in Richardson