How much is the down payment for a DPA + Conventional in Denton County?

With Texas DPA programs, your down payment can be $0 — the assistance covers it. DPA + Conventional stacks $15,000–$30,000 in down payment assistance on top of your loan, making it possible to buy in Denton County with little to no upfront cash.

Do I qualify for a DPA + Conventional in Denton County?

To qualify for a DPA + Conventional in Denton County, you typically need: a credit score of 640+, first-time buyer status, household income at or below 115% of AMI ($117,300), and a debt-to-income ratio under 45%. Use the First Home AI readiness tool to see if you qualify today.

What is the maximum purchase price for a DPA + Conventional in Denton County?

For DPA programs in Denton County, the maximum purchase price for non-targeted areas is $585,006. Targeted areas allow up to $715,007. The current median home price of $430,000 is well within these limits.

DPA Program

DPA + Conventional for First-Time Buyers
in Denton County, Texas

Q: What is the estimated monthly payment for a DPA + Conventional in Denton County in 2026?

On the median $430,000 home in Denton County, an estimated all-in monthly payment (principal, interest, taxes, and insurance) is approximately $3,685. This estimate uses a 6.75% rate and does not include HOA fees or PMI if applicable.

Down payment assistance stacked on a conventional loan. Real numbers for Dallas-Fort Worth-Arlington MSA buyers in 2026.

640+

Min Credit Score

$0 (DPA)

Down Payment

~$3,685/mo

Est. Monthly (median home)

45%

Max DTI

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Denton County Market

as of April 2026

Median price$430,000

AMI limit (1–2)$117,300

Purchase limit$585,006

Other Programs

→ Conventional → FHA → DPA FHA → VA → USDA

What is a DPA + Conventional?

Texas DPA programs can provide $15,000–$30,000 in assistance — enough to cover your entire down payment and some closing costs — stacked on top of a conventional loan. This combo keeps your monthly payment competitive while eliminating the biggest barrier for most first-time buyers.

Who Qualifies for a DPA Conventional in Denton County?

✓First-time homebuyer (no ownership in last 3 years)
✓Credit score of 640 or higher
✓Household income at or below 115% of Area Median Income (AMI)
✓Debt-to-income ratio under 45%
✓Stable employment (6+ months at current job)
✓Complete a HUD-approved homebuyer education course
✓Denton County income limit: $117,300 (1–2 person) / $134,895 (3+ person)

Pros & Cons

+$15,000–$30,000 in assistance eliminates the down payment barrier

+Conventional rates with competitive PMI

+Assistance is often a forgivable grant (not a second mortgage)

+Pairs with TSAHC, TDHCA, and local city programs

−Income limits apply (typically ≤115% AMI)

−Must be a first-time buyer (or not owned in 3+ years)

−Slightly higher interest rate to fund the DPA grant

−Purchase price limits set by the assistance program

Real Example: DPA Conventional Buyer in Denton County

Here's what the numbers look like for a typical first-time buyer using a DPA + Conventional in Denton County today.

Annual Income

$80,000

Credit Score

680

Down Payment

$20,000 (DPA)

Home Price

$366,000

Estimated All-In Monthly Payment

$3,136/mo

Principal + interest + property tax (1.8%) + insurance (0.5%) at 6.75% rate

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Frequently Asked Questions

What credit score do I need for a DPA + Conventional in Denton County?

The minimum credit score for a DPA + Conventional is 640. In Denton County, most lenders prefer 660+ for the smoothest approval and best interest rates. Scores below 640 will need work before applying.

How much down payment do I need for a DPA + Conventional in Denton County?

With Texas DPA programs, your down payment can be $0 — the assistance covers it. DPA provides $15,000–$30,000 toward your purchase in Denton County, which can cover the full down payment on homes up to $585,006.

What is the estimated monthly payment for a DPA + Conventional in Denton County?

On the median $430,000 home in Denton County, the estimated all-in monthly payment is approximately $3,685. This includes principal and interest (at 6.75%), property taxes (~1.8%), and homeowner's insurance (~0.5%). Your actual payment will vary based on your loan amount, rate, and specific property.

Is DPA + Conventional the right choice for me in Denton County?

First-time buyers under the AMI limit who have good credit (640+) but limited cash savings for a down payment. Denton County has a median home price of $430,000, which is within typical DPA + Conventional limits. With DPA, you can buy in Denton County with little to no cash upfront — a major advantage in this market.

What DPA programs work with DPA + Conventional in Denton County?

TSAHC My First Texas Home, TDHCA My Choice Texas Home are all available in Denton County. These programs pair directly with this loan type. All require first-time buyer status and income at or below $117,300 for 1–2 person households.

DPA Conventional in Nearby Counties

Dallas County DPA Conventional →Collin County DPA Conventional →Tarrant County DPA Conventional →

Do you qualify for a DPA Conventional in Denton County?

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DPA + Conventional for First-Time Buyersin Denton County, Texas