Denton blends university-town character with steady growth on every side. I help Denton families finance the home that fits — first-time buyer, move-up, or refinance.
From neighborhoods near the squares to fast-growing subdivisions on the outskirts, Denton's market moves. I walk you through how each loan program fits the home, the area, and your future.
~$330,000
A college-town market with a wide inventory mix — from $220K starter homes near UNT/TWU to $450K+ in newer developments.
$563,500
Denton County FHA limit. Most Denton purchases fall well under this — FHA is the most common loan type for first-time buyers here.
~1.8%
On a $295K home that's ~$443/mo in escrow. I factor the real tax rate into every pre-approval I run.
Denton County's $119,700 DPA income limit is one of the most generous in DFW — many more buyers qualify here than in Dallas or Tarrant County. TSAHC grants pair directly with FHA for low out-of-pocket costs.
| Program | Amount | Type | Income limit (Denton County) | FTHB only? |
|---|---|---|---|---|
| TSAHC Home Sweet Texas | 3–5% of loan | Grant — no repayment | 115% AMI | No |
| TDHCA My First Texas Home | Up to 5% of loan | Deferred, forgiven yr 3 | ~$119,700 | Yes (or veteran) |
Estimate at 7.0% 30-yr fixed. Includes P&I, FHA MIP (0.55%/yr), ~1.8% Denton County property tax, and homeowner's insurance. DPA income limit varies by program. Min credit 620 for TSAHC. Call 469-545-7180 for your actual pre-approval numbers.
Often a strong fit for Denton first-time buyers.
Read moreFlexible terms for established Denton buyers.
Read moreFor eligible Denton Veterans and military families.
Read moreUSDA eligibility is address-specific, and most developed parts of Denton County don't qualify — I'll check your exact address.
Read moreReview your current loan and goals.
Read moreTexas programs that may reduce out-of-pocket costs.
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