What is the 2026 FHA loan limit in Dallas?

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

What credit score do I need for an FHA loan?

FHA allows 3.5% down with a 580 score, but most lenders set their own minimums. Nick compares lenders to find one that fits your file.

Can I combine FHA with down payment assistance in Dallas?

Often, yes. Many state and local programs are built to sit behind an FHA first mortgage. Each has its own income and price limits.

Can I buy a duplex with an FHA loan?

Yes, if you live in one of the units. FHA covers one- to four-unit homes, and the rent from the other units can help you qualify.

First-time and low down payment · Dallas

FHA loans in Dallas.

Nick Grisanti

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

Low down payment and flexible credit for a Dallas home you'll live in, with 2026 Dallas County limits and local down payment help.

$563,5002026 FHA limit, 1 unit
3.5%Minimum down

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

LicensedStatewide in Texas C2 Financial CorporationLicensed mortgage broker 100+ lendersWholesale network

The basics

FHA in Dallas

2026 · Dallas County $563,500 FHA limit for a one-unit home. Two- to four-unit homes have higher limits.

Down payment 3.5% The FHA minimum with a 580+ credit score. Lenders set their own score minimums.

Mortgage insurance Upfront + annual FHA charges an upfront premium (usually financed) and an annual premium paid monthly.

Occupancy Primary home FHA is for a home you'll live in, including a two- to four-unit home where you live in one unit.

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.

Help with the down payment

Programs to ask about

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 → 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 → Statewide Texas Department of Housing and Community Affairs and TSAHC State housing finance programs for Texas buyers, with income and price limits. Many pair with FHA. State programs →

Questions