What is the 2026 FHA loan limit in Dallas?

$563,500 for a one-unit home in Dallas County.

Does Dallas offer down payment assistance?

Yes. DHAP offers up to $60,000 in high-opportunity areas and $50,000 elsewhere for income-qualified buyers in city limits, and state programs add up to 5%.

Can I run a short-term rental in Dallas?

The city's single-family STR ban is currently blocked in court, with the Texas Supreme Court hearing the case in December 2026. We underwrite Dallas rentals on long-term rent until the rules are settled.

Is Nick Grisanti licensed to lend in Dallas?

Yes. Nick is licensed as a Mortgage Loan Originator in Texas (TX SML licensed), and loans are originated through C2 Financial Corporation, NMLS #135622.

Dallas County · Texas

Mortgages in Dallas.

Nick Grisanti

Mortgage Loan Originator · NMLS #2719729FL #LO138662 · OH #MLO-OH.2719729 · TN #2719729 · TX SML licensedC2 Financial Corporation · NMLS #135622

Purchase, refinance, Texas home equity and rental property loans in Dallas, from 100+ wholesale lenders through C2 Financial Corporation.

$563,5002026 FHA limit, Dallas County
100+Wholesale lenders

Step 1 of 4

What can we help you with?

A few details

Credit score, roughly

When are you hoping to close?

Main income type

First home you've bought?

Monthly debt payments (car, student, cards)

Served in the military? (optional)

How will it be rented?

How do you know the rent?

Expected gross rent per month

Prepayment penalty you could accept

How would you document income?

Renovation budget

Value after renovation (estimate)

Plan when it's done

The lot

Lot value (estimate)

Construction budget

Plans and permits

Who is building it?

When it's finished, you'll

Buying in your name or an LLC?

Projects in the last 3 years

Include taxes and insurance in the monthly payment?

Loan amount, if you know it

2026

Dallas by the numbers

Dallas County's 2026 FHA limit is $563,500, above the national floor. The City of Dallas also has one of the larger city down payment programs in Texas.

FHA · 1 unit · Dallas County $563,500 Above the $541,287 national floor because of Dallas County's higher home prices.

Conforming · 1 unit $832,750 Loans above this are jumbo loans.

Median sale price $539,500 City of Dallas single-family median, September 2026 (NTREIS, Texas A&M Real Estate Research Center).

City tax rate $0.6978 City of Dallas rate per $100 of value, tax year 2026. County, school district and special district rates are added on top.

State income tax None Texas has no state income tax, and no transfer tax on home sales.

Check your county's FHA limit with HUD's lookup. Two- to four-unit properties have higher limits. Nick confirms the current figures for your county before every rate lock.

Local rules and costs

What buyers in Dallas should know

First-time buyers Up to $60,000 from the city The Dallas Homebuyer Assistance Program offers up to $60,000 in high-opportunity areas and $50,000 elsewhere as a forgivable 0% loan, for buyers at or under 80% of area income in city limits. DHAP → Rentals Register single-family rentals Owners of rented single-family homes, duplexes and condos register every year ($53) with a self-inspection affidavit, and the city inspects at least once every five years. City rental program → Short-term rentals STR rules are in court Dallas's 2023 ban on short-term rentals in single-family zones is blocked by an injunction. The Texas Supreme Court hears the case in December 2026, so don't underwrite STR income until it's decided. Case coverage → Taxes File your homestead by April 30 A Texas homestead takes $140,000 off your home's value for school taxes ($60,000 more at 65+ or disabled). File with the appraisal district by April 30 of the year after you buy. Comptroller exemptions → First-time buyers TDHCA and TSAHC programs State programs such as My First Texas Home, My Choice Texas Home, Homes for Texas Heroes and Home Sweet Texas offer down payment help of up to 5%. Income and price limits apply. TDHCA programs → Investors Rental property in Dallas A DSCR loan qualifies on the property's rent rather than your personal income, which suits investors who own several properties or live outside Dallas. How DSCR works →

About Dallas

Living and buying in Dallas

Dallas is a corporate and transportation hub. AT&T, American Airlines, Southwest Airlines, Bank of America, JPMorgan Chase and UT Southwestern are among the region's largest employers.

Buyers look at older homes in Lakewood, the M Streets and Bishop Arts, larger lots in Preston Hollow and Lake Highlands, and suburbs such as Richardson, Plano and Garland.

Neighborhoods

Where buyers look

Lakewood
M Streets
Bishop Arts
Preston Hollow
Lake Highlands
Richardson
Plano
Garland

Schools: Dallas ISD is the main district; parts of the city are in Richardson ISD and others. Check the district for any specific address before you buy.

Loans in Dallas

Loan programs

Most common Conventional Fannie Mae and Freddie Mac loans for primary homes, second homes and investment property. Conventional loans → Flexible credit FHA Low down payment for a Dallas home you'll live in, with local down payment help. FHA in Dallas → Veterans VA For eligible veterans, service members and surviving spouses. VA loans → Higher prices Jumbo Loan amounts above the conforming limit. Jumbo loans → Investors DSCR Buy or refinance a Dallas rental on the property's rental income. DSCR in Dallas → Self-employed Bank statement For self-employed borrowers whose tax returns understate their income. Bank statement loans → Home equity HELOC and cash-out Borrow against your home's equity with a line of credit or a cash-out refinance. Compare options →

Not every lender offers every program in every state, and all loans are subject to credit approval and program guidelines. Nick compares 100+ wholesale lenders through C2 Financial Corporation to find the programs that fit your scenario.

Questions

Dallas mortgage FAQ

What is the 2026 FHA loan limit in Dallas?: $563,500 for a one-unit home in Dallas County.
Does Dallas offer down payment assistance?: Yes. DHAP offers up to $60,000 in high-opportunity areas and $50,000 elsewhere for income-qualified buyers in city limits, and state programs add up to 5%.
Can I run a short-term rental in Dallas?: The city's single-family STR ban is currently blocked in court, with the Texas Supreme Court hearing the case in December 2026. We underwrite Dallas rentals on long-term rent until the rules are settled.
Is Nick Grisanti licensed to lend in Dallas?: Yes. Nick is licensed as a Mortgage Loan Originator in Texas (TX SML licensed), and loans are originated through C2 Financial Corporation, NMLS #135622.