Dallas, TX · Down Payment Assistance
Down Payment Assistance in Dallas, TX
Dallas home prices have cooled from the peak — and $0-down and 1%-down programs work across the metro, from Oak Cliff to Frisco.
Programs available in Dallas
FHA 100% Combo — $0 down
FHA first at 96.5% plus a second for the 3.5%. No income cap, 600 minimum credit. Works in Dallas, Fort Worth, Arlington, Plano, and Garland.
V1-FAST 100 — $0 down, forgivable second
3.5% second at 0%, deferred and forgiven over time while owner-occupied. No monthly second payment.
1% Down Grant — 2% free
You put 1%, the program grants 2% up to $7,000. Conventional, income ≤ 80% AMI, max loan $350,000.
What Dallas buyers ask most
- Can I buy in Dallas with $0 down? Yes — the FHA combos close with $0 down payment. Earnest money, appraisal, and inspection are still out of pocket.
- Does the 1% grant work in Dallas? Yes, if the loan is ≤ $350,000 and your income is ≤ 80% AMI — best for condos and starter homes.
- What about Texas property taxes? Dallas County taxes are significant — your full payment including taxes and insurance must qualify. We run the real numbers upfront.
How to start
Send the 60-second eligibility form: your target area in Dallas, income range, and credit estimate. We'll match you to every program that fits — and tell you honestly if the math doesn't work yet.
Buying in Dallas? Check your eligibility for $0-down and 1%-down programs before you start touring homes. Check my eligibility →