I'm Bond Peter Njoku (NMLS #2670329), a DFW VA loan officer helping Dallas veterans purchase homes with $0 down and no monthly PMI — and for qualifying first-time veteran buyers, the Dallas DHAP can cover up to $60,000 in closing costs on top of that.
VA loans already eliminate the down payment — but Dallas adds another layer for qualifying veterans. The Dallas Homebuyer Assistance Program (DHAP) provides up to $60,000 in forgivable assistance for eligible first-time buyers purchasing within Dallas city limits. Because VA takes care of the down payment, DHAP funds can go almost entirely toward closing costs — appraisal, title, prepaid taxes and insurance, lender fees.
The result for a qualifying Dallas veteran: a home purchased with $0 down and $0 in closing costs. Not every veteran or property qualifies — DHAP requires first-time buyer status, income limits, and a property within Dallas city limits — but when it works, it's one of the strongest purchase scenarios available anywhere in DFW. I'll verify both your VA entitlement and DHAP eligibility before we go further.
| Down payment | $0 (with full entitlement) |
|---|---|
| Monthly PMI/MIP | None |
| Loan limit (full entitlement) | No limit |
| Minimum credit score | 580–620 (lender overlay) |
| VA funding fee (first use) | 2.15% (can be rolled in) |
| Funding fee waived | 10%+ service-connected disability |
| Best DPA combo | Dallas DHAP (up to $60,000) |
Honorably discharged veterans who meet minimum active-duty service requirements. Most veterans who served 90+ days during wartime or 181+ days during peacetime qualify. Dallas has a large veteran population — the VA Medical Center at 4500 S. Lancaster Road serves thousands in the area.
Currently serving with at least 90 continuous days of active duty. Dallas-area active-duty personnel connected to NAS JRB Fort Worth, Naval Recruiting District Dallas, or other installations can use their VA benefit to purchase in Dallas today.
Un-remarried surviving spouses of veterans who died in service or from a service-connected disability may be eligible for VA loan benefits. I'll verify eligibility and walk through the COE process with you. Call 469-545-7180.
I'm Bond Peter Njoku (NMLS #2670329), a licensed mortgage loan officer serving Dallas and all of DFW. I specialize in VA loans and am approved to originate the Dallas DHAP program. Call or text 469-545-7180 — I handle your file personally from pre-approval through closing.
Yes, if you're a first-time buyer purchasing within Dallas city limits and you meet income requirements. VA covers the down payment; DHAP (up to $60,000 forgivable) covers closing costs. Combined, many qualifying veterans close with $0 out of pocket. I'm Bond Peter Njoku (NMLS #2670329). Call 469-545-7180 to verify eligibility.
No. Eligible veterans with full entitlement can buy anywhere in Dallas with $0 down and no loan limit. No monthly PMI either. I'm Bond Peter Njoku (NMLS #2670329). Call 469-545-7180 and I'll pull your Certificate of Eligibility and run your numbers for free.
The funding fee for a first VA purchase with $0 down is 2.15% — it can be rolled into the loan. It is waived entirely for veterans with a 10% or higher service-connected disability rating. I'm Bond Peter Njoku (NMLS #2670329). Call 469-545-7180 and I'll calculate your exact funding fee scenario.
I'm Bond Peter Njoku (NMLS #2670329), your Dallas VA loan officer. Call, text, or WhatsApp me at 469-545-7180 — I'll verify your VA entitlement, check Dallas DHAP eligibility, and run your full pre-approval at no cost.
Also serving nearby: Dallas · Garland · Irving · VA Loans in Garland · VA Loans in Fort Worth · VA Loans in Irving · FHA Loans in Dallas · VA Loans Overview