Richardson is one of North Dallas's most established communities — strong schools, walkable centers, and a wide mix of housing. I help Richardson buyers compare loan programs and finance the right home.
Richardson's market rewards buyers who come in with a strong, lender-verified pre-approval. I help you put one together quickly so your offer competes.
~$400,000
Richardson sits at the edge of Dallas and Collin counties — strong demand from Telecom Corridor jobs has pushed prices up, but entry-level homes start around $300K in Spring Creek.
$563,500
Collin County FHA limit. Most Richardson starter home purchases are well under this — FHA with 3.5% down is widely used here.
~1.5%
On a $365K home that's ~$456/mo in escrow. I factor the real tax rate into every pre-approval I run.
Richardson falls in Collin County — the $119,700 DPA income limit means more buyer households qualify than in nearby Dallas. TSAHC grants cover down payment and closing costs at once.
| Program | Amount | Type | Income limit (Collin 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), ~1.5% Collin 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 Richardson first-time buyers.
Read moreFlexible terms for established Richardson buyers.
Read moreFor eligible Richardson Veterans and military families.
Read moreUSDA eligibility is address-specific, and most developed parts of Dallas 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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