DPA + FHA for First-Time Buyers
in Tarrant County, Texas
Down payment assistance for buyers with lower credit scores. Real numbers for Dallas-Fort Worth-Arlington MSA buyers in 2026.
No credit check · Takes 3 minutes · 100% free
What is a DPA + FHA?
Stacking Texas DPA with an FHA loan is the most accessible path to homeownership in the state. DPA covers your down payment; FHA handles lower credit tolerances. The combination opens doors for buyers who are ready in every way except savings or credit score.
Who Qualifies for a DPA FHA in Tarrant County?
- ✓First-time homebuyer (no ownership in last 3 years)
- ✓Credit score of 620 or higher
- ✓Household income at or below 115% of Area Median Income (AMI)
- ✓Debt-to-income ratio under 50%
- ✓Stable employment (6+ months at current job)
- ✓Complete a HUD-approved homebuyer education course
- ✓Tarrant County income limit: $117,300 (1–2 person) / $134,895 (3+ person). Source data reviewed June 2026; verify current program documents before applying.
Pros & Cons
Real Example: DPA FHA Buyer in Tarrant County
Here's what the numbers look like for a typical first-time buyer using a DPA + FHA in Tarrant County today.
Principal + interest + property tax (1.8%) + insurance (0.5%) at 6.75% rate
Frequently Asked Questions
What credit score do I need for a DPA + FHA in Tarrant County?
The minimum credit score for a DPA + FHA is 620. In Tarrant County, most lenders prefer 640+ for the smoothest approval and best interest rates. Scores below 620 will need work before applying.
How much down payment do I need for a DPA + FHA in Tarrant 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 Tarrant County, which can cover the full down payment on homes up to $585,006.
What is the estimated monthly payment for a DPA + FHA in Tarrant County?
On the median $350,000 home in Tarrant County, the estimated all-in monthly payment is approximately $2,939. 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 + FHA the right choice for me in Tarrant County?
First-time buyers with credit scores 620–679 and limited savings. The single most accessible path to homeownership for most Texas first-timers. Tarrant County has a median home price of $350,000, which is within typical DPA + FHA limits. With DPA, you can buy in Tarrant County with little to no cash upfront — a major advantage in this market.
What DPA programs work with DPA + FHA in Tarrant County?
TSAHC Home Sweet Texas, TDHCA My First Texas Home, TDHCA My Choice Texas Home are relevant programs to check in Tarrant County. Statewide paths include TSAHC Home Sweet Texas, TSAHC Homes for Texas Heroes, TDHCA My First Texas Home, and TDHCA My Choice Texas Home. These programs may pair with this loan type depending on the current lender and program option. Income and purchase-price data was last reviewed June 2026.
Program source check: First Home AI last reviewed Texas program source data in June 2026. Final eligibility and currently available assistance are set by the program administrator and lender.
DPA FHA in Nearby Counties
Do you qualify for a DPA FHA in Tarrant County?
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