Flower Mound is one of North Texas's most established family-focused communities. I help Flower Mound buyers and homeowners compare loan options and finance the right home.
Flower Mound price points and home types ask for careful loan structuring. I compare Conventional, jumbo, and other options so the long-term math works.
~$520,000
Flower Mound's median sits above most DFW cities. Many homes are above the $563,500 FHA cap — conventional is the primary loan type for most buyers here.
$563,500
Many Flower Mound listings exceed this limit. Conventional financing with 5% down — paired with a TSAHC grant — is the most common first-time buyer path.
~1.8%
On a $490K home that's ~$735/mo in escrow. I factor the real tax rate into every pre-approval I run.
Even on conventional loans, TSAHC's 5% grant applies — meaning Flower Mound buyers can cover most of a 5% down payment without touching savings. Denton County's $119,700 income limit gives more buyers access.
| 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 conventional with 5% down. Includes P&I, PMI (~0.5%/yr), ~1.8% Denton County property tax, and homeowner's insurance. TSAHC grant applies to conventional loans too. Call 469-545-7180 for your numbers.
Often a strong fit for Flower Mound first-time buyers.
Read moreFlexible terms for established Flower Mound buyers.
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