I'm Bond Peter Njoku (NMLS #2670329). Terrell in Kaufman County is one of the most affordable markets in DFW — homes priced $200,000–$280,000, USDA-eligible, and perfectly suited for FHA buyers. With TSAHC assistance, many Terrell buyers close with under $3,000 out of pocket.
Terrell homes run $200,000–$280,000 — among the most affordable in the entire DFW metro. At 3.5% down on a $240,000 home, you need just $8,400. A 4% TSAHC grant on a $240,000 loan = $9,600 — covering the down payment entirely and contributing toward closing costs. Terrell is also USDA-eligible for income-qualified buyers, and I'll compare both programs side-by-side.
Terrell is growing rapidly with new construction communities expanding east of Forney. FHA works seamlessly with most Terrell builders, and the price points are the most accessible in the Kaufman County corridor.
| Minimum credit score | 580 (for 3.5% down) |
|---|---|
| Minimum down payment | 3.5% of purchase price |
| 2026 FHA loan limit | $524,225 (Kaufman County) |
| Typical Terrell price range | $200,000–$280,000 |
| Debt-to-income ratio | Up to 57% (case by case) |
| Mortgage insurance | Upfront MIP + annual MIP |
| DPA compatibility | TSAHC, TDHCA |
A 3–5% grant — no repayment, ever. Available across all of Kaufman County including Terrell. No first-time buyer requirement. Income limit ~$112,450 for 2026. On a $240,000 home, a 4% grant = $9,600 — covers the full 3.5% down payment with cash left for closing costs.
Up to 5% deferred, forgiven at year 3. Paired with a below-market FHA rate. For first-time buyers and veterans in Terrell. A strong option for buyers who want both the lowest rate and the most down payment help available.
Terrell is USDA-eligible — 100% financing for income-qualified buyers. FHA + TSAHC is the alternative: near-zero down, no address restrictions, no USDA annual fee. I'll run both programs for your specific income and target price so you pick the one that saves the most. Call 469-545-7180.
I'm Bond Peter Njoku (NMLS #2670329), a licensed mortgage loan officer serving Terrell and Kaufman County. I specialize in FHA and USDA loans with TSAHC assistance. Call or text me at 469-545-7180.
Terrell's $200,000–$280,000 price range means FHA buyers need as little as $7,000 down — which TSAHC typically covers entirely. It's the most affordable entry point in the DFW east corridor and still within commuting distance of Mesquite and Garland. I'm Bond Peter Njoku (NMLS #2670329). Call 469-545-7180.
USDA gives $0 down but has income limits and property eligibility requirements. FHA + TSAHC typically matches USDA's affordability without those restrictions. I'll compare both for your specific file. I'm Bond Peter Njoku (NMLS #2670329). Call 469-545-7180.
The 2026 FHA loan limit for Kaufman County is $524,225. Terrell's entire price range falls well within this limit. I'm Bond Peter Njoku (NMLS #2670329). Text me at 469-545-7180 for exact payment estimates on your target price.
I'm Bond Peter Njoku (NMLS #2670329), your Kaufman County FHA and USDA loan officer. Call, text, or WhatsApp me at 469-545-7180 — I'll run FHA vs. USDA and your TSAHC eligibility for free.
Also serving nearby: Terrell · Forney · Royse City · FHA Loans in Forney · FHA Loans in Royse City · FHA Loans in Rockwall · FHA Loans Overview · DPA in Terrell · VA Loans in Terrell