Mortgage Broker for Residential & Commercial Purpose Loans
Dallas, TX First Time Homebuyer Guide
First-Time Homebuyer Programs & Grants Available in Dallas
Top-Rated Mortgage Broker Adam Bartling is an EXPERT at stacking multiple programs to minimize your out-of-pocket costs! Here are the BEST programs for Dallas first-time buyers:
🏛️ CITY OF DALLAS PROGRAMS:
1. Dallas Homebuyer Assistance Program (DHAP)
- Assistance Amount: Up to $50,000 (standard areas) or $60,000 (High Opportunity Areas)!
- Type: Forgivable deferred loan (second lien)
- Eligibility:
- Must be low to moderate income (80% or below area median income)
- No minimum credit score required (but must qualify for mortgage)
- Debt-to-income ratio: 35% back-end maximum
- Must purchase within Dallas city limits
- Loan Types: FHA, VA, or Conventional
- Forgiveness: Forgiven over time with continued occupancy
🌟 Adam's DHAP Strategy: "This program is INCREDIBLE for Dallas buyers! I help clients combine DHAP with FHA 3.5% down loans—the result is buying a Dallas home with MINIMAL out-of-pocket costs!"
🌟 STATEWIDE TEXAS PROGRAMS:
2. TSAHC Home Sweet Texas Home Loan Program
- Assistance Amount: Up to 5% of loan amount
- Type: GRANT (no repayment!) or forgivable second lien
- Eligibility:
- Minimum 620 credit score
- Income and purchase price limits apply
- Must complete homebuyer education course
- Forgivable after 3 years
- Loan Types: FHA, VA, USDA, or Conventional
💡 Adam's Grant Stacking: "Here's where I provide INCREDIBLE value - I help you STACK programs:
- DHAP ($50,000-$60,000)
- TSAHC (5% grant)
- FHA (3.5% down)
- Result: Buy a Dallas home with LITTLE to NO out-of-pocket down payment!"
3. TDHCA My First Texas Home Program
- Assistance Amount: Up to 5% of loan amount
- Type: 0% interest second mortgage
- Eligibility:
- First-time homebuyers and veterans
- Income and purchase price limits
- Must complete homebuyer education
- Forgivable after 3 years
- Loan Types: FHA, VA, USDA, or Conventional
4. TDHCA My Choice Texas Home Program
- Who Qualifies: ALL homebuyers (not just first-time!)
- Assistance Amount: Up to 5% of loan amount
- Type: 0% interest second mortgage
- Perfect For: Repeat buyers, anyone meeting income requirements
5. Homes for Texas Heroes Program
- Who Qualifies: Teachers, Firefighters, EMS, Police, Correctional Officers, VETERANS
- Assistance Amount: Up to 5% of loan amount
- Type: Grant or forgivable second lien
- No First-Time Buyer Requirement!
🎖️ Adam's Army Veteran Advantage: "As an Army Veteran Mortgage Broker, helping fellow veterans and Texas heroes is my PASSION! This program stacks beautifully with VA loans for military families!"
💵 TAX CREDIT PROGRAMS:
6. Texas Mortgage Credit Certificate (MCC)
- Annual Tax Credit: Up to 20% of mortgage interest paid
- Example: $18,000 in annual interest = $3,600 tax credit!
- Lifetime Value: $108,000+ over 30-year mortgage
- Combines With: Most loan programs
- Impact: Increases buying power significantly
📊 Adam's MCC Expertise: "The MCC is like getting a RAISE every year! That extra $3,600 annually helps you qualify for MORE home and keeps money in your pocket!"
📋 UNDERSTANDING FIRST-TIME HOMEBUYER LOAN OPTIONS IN DALLAS
Best Mortgage Broker Adam Bartling specializes in ALL loan types! Here's what's available:
🏡 FHA LOANS - THE #1 CHOICE for First-Time Homebuyers
Why First-Time Buyers LOVE FHA:
- ✅ Only 3.5% down payment required (with 580+ credit score)
- ✅ Down payment as low as 10% (with 500-579 credit score)
- ✅ Seller can contribute up to 6% toward closing costs
- ✅ Gift funds from family members fully allowed
- ✅ Easier credit qualification than conventional loans
- ✅ 2025 Dallas County loan limit: $563,500 for single-family homes
Real Dallas Example:
- $450,000 home in Viridian
- FHA 3.5% down = $15,750
- With DHAP assistance ($50,000)
- Net out-of-pocket: MINIMAL!
🏆 Adam's FHA Expertise: "As a Top-Rated FHA Specialist, I've helped THOUSANDS of Dallas first-time buyers achieve homeownership through FHA loans! FHA is PERFECT for first-timers because of the low down payment and flexible credit requirements!"
VA LOANS - For Military Heroes
Perfect for Veterans & Active Military:
- ✅ 0% down payment - NO money down required!
- ✅ No monthly mortgage insurance (PMI)
- ✅ Competitive interest rates
- ✅ Flexible credit requirements
- ✅ 2025 Dallas County limit: $806,500
- ✅ Perfect for military families!
🎖️ Adam's Army Veteran Advantage: "As an Army Veteran Mortgage Broker, helping fellow veterans is my PASSION! VA loans are the BEST mortgage product available. I understand the VA process inside and out and will ensure you maximize EVERY benefit you've earned!"
📞 Veterans, Call Adam: 713-301-0007
🏦 CONVENTIONAL 3% DOWN LOANS
For Buyers with Strong Credit:
- ✅ Only 3% down payment
- ✅ Lower mortgage insurance than FHA
- ✅ No upfront mortgage insurance premium
- ✅ PMI can be removed once you reach 20% equity
- ✅ Higher loan limits than FHA
- ✅ Ideal for buyers with 680+ credit scores
Programs:
- Fannie Mae HomeReady - 3% down
- Freddie Mac Home Possible - 3% down
🔨 FHA ONE-TIME CLOSE CONSTRUCTION LOANS
Build Your Dream Home with Just 3.5% Down!
- ✅ Single closing - save on closing costs!
- ✅ Only 3.5% down on total project cost
- ✅ Finance land purchase AND construction
- ✅ Lock in interest rate before building starts
- ✅ Convert automatically to permanent mortgage when complete
How It Works:
- Apply for FHA loan approval with Adam Bartling
- Find your lot/land in Dallas area
- Choose approved builder and plans
- ONE CLOSING for everything!
- Construction begins
- Move into your custom-built home!
🔨 Adam's Construction Expertise: "Want to BUILD instead of buy existing? FHA One-Time Close is AMAZING! Many Dallas clients have built custom homes in areas like Prosper, Celina, and Argyle using this program!"
🏗️ FHA CONSTRUCTION-TO-PERMANENT LOANS
Two-Step Process for Maximum Flexibility:
- ✅ Construction loan during building phase
- ✅ Converts to permanent FHA mortgage
- ✅ Only 3.5% down on total costs
- ✅ More builder flexibility than One-Time Close
🔄 FHA STREAMLINE REFINANCE
For Current FHA Homeowners:
- ✅ Lower your rate with minimal paperwork
- ✅ No appraisal needed (in most cases)
- ✅ No credit check required (at FHA minimum)
- ✅ Faster processing than traditional refinances
- ✅ Can switch from ARM to fixed-rate
📞 Current FHA Homeowner? Call Adam to see if you can save money: 713-301-0007
💵 FHA CASH-OUT REFINANCE
Access Your Home's Equity:
- ✅ Up to 80% loan-to-value ratio
- ✅ Cash for home improvements, debt consolidation
- ✅ Potentially lower interest than credit cards
- ✅ One monthly payment
❓ TOP 10 MOST-ASKED FIRST-TIME HOMEBUYER QUESTIONS - ANSWERED!
1. How much down payment do I need as a first-time homebuyer in Dallas? 💰
Answer from Trusted First-Time Buyer Expert Adam Bartling:
GREAT NEWS! You need MUCH LESS than you think!
Down Payment Options:
- FHA Loan: As low as 3.5% (with 580+ credit score)
- Conventional Loan: As low as 3% (with good credit)
- VA Loan: 0% down for veterans and active military!
Real Dallas Examples:
- $400,000 Home (Dallas median):
- FHA (3.5%): $14,000 down
- Conventional (3%): $12,000 down
- VA (0%): $0 down!
- $350,000 Home:
- FHA (3.5%): $12,250 down
- With $50,000 DHAP: Only $2,250 out-of-pocket or LESS!
🌟 Adam's Grant Stacking Strategy: "Here's where I provide INCREDIBLE value - I help you STACK programs:
- FHA loan (3.5% down)
- DHAP ($50,000-$60,000 grant)
- TSAHC (5% grant)
- Texas MCC (20% tax credit)
- Plus seller concessions (6%)
Result: Buy a Dallas home with MINIMAL to ZERO out-of-pocket down payment!"
📞 Free Down Payment Strategy Session: 713-301-0007
2. What credit score do I need to buy a home in Dallas? 📊
Answer from Best Credit Expert Adam Bartling:
Credit Score Requirements:
- FHA Loans: 580 minimum (for 3.5% down)
- 500-579 credit: 10% down required
- Conventional Loans: 620 minimum (better with 680+)
- VA Loans: No official minimum, but most lenders want 580+
Dallas Market Reality:Most lenders prefer 580+ for best approval odds and terms.
🎯 Adam's Credit Improvement Strategy: "I work with first-time buyers at ALL credit levels! If your credit needs work, I provide a custom action plan to boost your score QUICKLY. Many clients improve 40-60 points in just 60-90 days!"
What Affects Your Credit Score:
- Payment history (35%)
- Credit utilization (30%)
- Length of credit history (15%)
- New credit (10%)
- Credit mix (10%)
Quick Credit Boosting Tips:✅ Pay all bills on time
✅ Keep credit card balances under 30% of limits
✅ Don't close old credit cards
✅ Dispute errors on credit report
✅ Become authorized user on family member's good account
📧 Email for Credit Improvement Plan: adam@bartlinglending.com
3. Can I buy a home in Dallas with student loans? 🎓💰
Answer from Trusted Debt Management Specialist Adam Bartling:
Absolutely YES! Student loans are VERY common among Dallas first-time buyers - especially UT Dallas grads, healthcare workers, and professionals!
How Student Loans Affect Your Mortgage:
For FHA Loans:
- If you have an Income-Driven Repayment plan: Lender uses actual payment
- If deferred: Lender calculates 0.5% of loan balance monthly
- If forbearance: Same as deferred
For Conventional Loans:
- Lender uses actual payment on credit report
- If $0 payment: Lender calculates 1% of balance monthly
Real Dallas Example:
- Annual Income: $75,000
- Monthly Income: $6,250
- Student Loan Balance: $40,000
- Monthly Payment: $200
FHA Calculation:
- Front-end ratio: 31% = $1,937 max housing payment
- Back-end ratio: 43% = $2,687 max total debt
- Student loan payment ($200) leaves $2,487 for housing
- You can afford approximately $400,000 home!
💡 Adam's Student Loan Strategy: "Don't let student loans stop your Dallas homeownership dream! I help structure loans to accommodate education debt. I've successfully helped HUNDREDS of Dallas buyers with student loans become homeowners!"
4. What is the Dallas Homebuyer Assistance Program (DHAP)? 🎁
Answer from Top-Rated DHAP Expert Adam Bartling:
DHAP is one of the MOST GENEROUS first-time homebuyer programs in Texas!
Key Benefits:
- Up to $50,000 assistance (standard areas)
- Up to $60,000 assistance (High Opportunity Areas)
- Forgivable loan - doesn't have to be repaid if you stay
- No minimum credit score
- Combines with FHA, VA, and conventional loans
Eligibility:
- Must purchase within Dallas city limits
- Income at or below 80% of area median income
- Maximum 35% back-end debt-to-income ratio
- Must qualify for approved mortgage
Income Limits (80% AMI):
- 1 person: $59,200
- 2 people: $67,650
- 3 people: $76,100
- 4 people: $84,550
- 5 people: $91,350
- 6 people: $98,150
🏆 Adam's DHAP Success: "I've helped DOZENS of Dallas first-time buyers utilize DHAP! The $50,000-$60,000 assistance is LIFE-CHANGING. Combined with an FHA loan's 3.5% down, buyers can purchase with almost ZERO out-of-pocket costs!"
🌐 Learn More: www.BartlingLending.com
5. Can I use gift money for my down payment in Dallas? 🎁💝
Answer from Best Gift Fund Expert Adam Bartling:
YES! Gift funds are FULLY ALLOWED and ENCOURAGED!
FHA Loans - Most Flexible:
- 100% of down payment can be gifted
- 100% of closing costs can be gifted
- Gifts from: Family members, employers, charitable organizations
- Donor must sign gift letter confirming it's a GIFT (not a loan)
Conventional Loans:
- If less than 20% down: Must contribute 5% of your own funds
- If 20%+ down: 100% can be gifted
- Must document gift source
VA Loans:
- 100% can be gifted (though VA already requires 0% down!)
- Perfect for closing costs
Required Documentation:✅ Gift letter signed by donor
✅ Proof of donor's funds (bank statement)
✅ Proof of transfer to you
✅ Deposit into your account
Sample Gift Letter Includes:
- Donor's name, address, phone
- Relationship to you
- Dollar amount of gift
- Date of transfer
- Property address
- Statement: "This is a gift with no expectation of repayment"
- Donor's signature
🎁 Adam's Gift Fund Guidance: "Gift funds are AMAZING for Dallas first-time buyers! I walk you through EXACTLY how to properly document gifts to satisfy lenders. Many of my clients receive gifts from parents or grandparents!"
6. Do I qualify as a "first-time homebuyer" if I owned a home previously? 🏠❓
Answer from Top-Rated First-Time Buyer Specialist Adam Bartling:
You Might STILL Qualify!
Official "First-Time Homebuyer" Definition:A person who has NOT owned a principal residence during the 3-year period prior to purchase.
You're Considered "First-Time" If:✅ Haven't owned a home in past 3 years
✅ Lost home in divorce (even if less than 3 years)
✅ Only owned with former spouse
✅ Only owned property not permanently affixed to foundation
✅ Only owned property not in compliance with building codes
✅ Only owned vacation/investment property (never primary residence)
Special Categories Always Considered "First-Time":✅ Single parents who only owned with former spouse
✅ Displaced homemakers who only owned with spouse
✅ Anyone who owned property not in compliance with local/state codes
Real Dallas Scenario:
- Divorced in 2022, spouse kept house
- You haven't owned since divorce
- You DO qualify for first-time buyer programs!
Even if you owned a home previously, the 3-year rule likely qualifies you for first-time buyer programs!
🎯 Adam's Educational Approach: "I walk you through EVERY program you qualify for based on YOUR unique situation. As your Best First-Time Buyer Specialist, I don't just find you a loan - I maximize EVERY benefit available to you!"
Check Your First-Time Buyer Status: 713-301-0007
7. What's the difference between FHA and Conventional loans for first-time buyers? ⚖️
Answer from Top-Rated Loan Comparison Expert Adam Bartling:
Excellent question! Let me break down which loan type works best for Dallas first-time buyers:
🏛️ FHA LOANS - Best For Most First-Timers:
Advantages:✅ Lower down payment - 3.5% vs. 5-20% conventional
✅ Lower credit score - 580 vs. 620-640 conventional
✅ Higher debt-to-income - Up to 50% vs. 45% conventional
✅ More forgiving - Recent credit issues okay
✅ Gift funds - Family gifts fully allowed
✅ Seller concessions - Up to 6% vs. 3% conventional
Considerations:⚠️ Mortgage insurance for loan life (but rates dropped in 2025!)
⚠️ Upfront mortgage insurance (1.75% of loan - can be financed)
Dallas FHA Sweet Spot: $250,000 - $563,500 homes with 3.5% - 10% down
🏦 CONVENTIONAL LOANS - Best For Higher Credit/Savings:
Advantages:✅ No upfront mortgage insurance
✅ PMI drops at 78-80% loan-to-value
✅ Higher loan limits - $806,500 vs. $563,500 FHA
✅ Lower rates - If credit score 740+
Requirements:⚠️ Minimum 620-640 credit score (lender-specific)
⚠️ Minimum 5% down payment (3% for special programs)
⚠️ Stricter debt-to-income ratios
⚠️ More stringent employment/income verification
Dallas Conventional Sweet Spot: $450,000 - $800,000 homes with 10%+ down and 700+ credit
📊 DALLAS FIRST-TIME BUYER COMPARISON:
Scenario 1: Young Professional
- Income: $70,000/year
- Credit Score: 650
- Savings: $15,000
- Student Loans: $30,000
Adam's Recommendation: FHA Loan
- Low 3.5% down payment preserves cash
- 650 credit score gets good FHA rates
- Higher DTI acceptance accommodates student loans
- Can purchase $350,000 Dallas home
Scenario 2: Established Professional
- Income: $120,000/year
- Credit Score: 750
- Savings: $80,000
- Minimal debt
Adam's Recommendation: Conventional Loan
- Can put 10-20% down
- 750 credit score gets premium conventional rates
- PMI drops automatically at 78% LTV
- Can purchase $600,000 Dallas home
🎯 Best Mortgage Broker Strategy: "As a Top Choice Mortgage Broker, I have access to BOTH FHA and conventional loans through multiple lenders. I analyze YOUR complete financial picture and run the numbers on BOTH options - then show you the comparison side-by-side. You make the final decision, fully informed!"
📧 Free Loan Comparison: adam@bartlinglending.com
8. How long does it take to buy a first home in Dallas? ⏰
Answer from Experienced Timeline Expert Adam Bartling:
Typical Dallas First-Time Buyer Timeline: 60-90 days from start to finish
DETAILED BREAKDOWN:
Week 1-2: Preparation (Before House Hunting)
- Get pre-approved with Adam Bartling (1-2 days)
- Attend homebuyer education course (1 day online)
- Set up home search with realtor
- Total: 2 weeks
Week 3-6: House Hunting
- Visit neighborhoods
- Tour homes
- Narrow down choices
- Make offer (or multiple offers in competitive market)
- Total: 2-4 weeks (varies by market)
Week 7-8: Under Contract
- Offer accepted
- Sign purchase contract
- Earnest money deposit
- Order home inspection (3-7 days)
- Appraisal ordered (scheduled 5-10 days out)
- Total: 1-2 weeks
Week 9-12: Loan Processing
- Submit documentation to lender
- Underwriting review (7-14 days)
- Appraisal completed and reviewed
- Clear conditions
- Final approval ("clear to close")
- Total: 3-4 weeks
Week 13: Closing
- Final walkthrough
- Sign documents
- Get keys to YOUR new home!
- Total: 1 week
⚡ Adam's Speed Advantage: "With my educational-first approach, dedicated processor, and 20+ years of experience, we EXPEDITE the process. Many of my Dallas first-time buyers close in 45-60 days because we're organized and proactive!"
🎯 Pro Tips to Close FASTER:✅ Get pre-approved BEFORE house hunting
✅ Have documents ready (2 years tax returns, pay stubs, bank statements)
✅ Respond quickly to lender requests
✅ Don't make major purchases during process
✅ Don't change jobs
✅ Keep money in bank (don't move it around)
9. What are closing costs for first-time buyers in Dallas? 💵
Answer from Best Closing Cost Expert Adam Bartling:
Typical Dallas Closing Costs: 2-5% of purchase price
COMPLETE BREAKDOWN:
Lender Fees (1-1.5%):
- Origination fee: 0.5-1% of loan
- Application fee: $0-$500
- Processing fee: $300-$500
- Underwriting fee: $400-$800
- Credit report: $25-$75
Third-Party Fees (0.5-1%):
- Appraisal: $500-$700
- Home inspection: $350-$500
- Title search: $200-$400
- Title insurance: 0.5% of purchase price
- Survey: $350-$500
- Attorney fees (if required): $500-$1,500
Prepaid Items (0.5-1.5%):
- Property taxes (2-6 months): Varies
- Homeowners insurance (1 year): $1,200-$2,500
- HOA fees (if applicable): Varies
- Interest (from closing to first payment): Varies
Government Fees (0.5-1%):
- Recording fees: $50-$250
- Transfer taxes: Varies by county
Real Dallas Example - $400,000 Home:
- Lender fees: $4,000-$6,000
- Third-party: $2,500-$3,500
- Prepaids: $3,000-$5,000
- Government: $500-$1,000
- Total: $10,000-$15,500 (2.5-3.9%)
💰 How to REDUCE Closing Costs:
1. Seller Concessions (Best Option for FHA!):
- FHA allows seller to pay up to 6% toward closing costs
- Conventional allows 3%
- Adam negotiates this into your offer!
2. Lender Credits:
- Accept slightly higher rate
- Lender pays your closing costs
- Adam shows you this option
3. Down Payment Assistance:
- Many programs cover closing costs too!
- DHAP: Can use for closing costs
- TSAHC: Can use for closing costs
4. Shop and Compare:
- Title companies
- Insurance
- Inspection companies
🎯 Adam's Closing Cost Strategy: "As your Trusted Mortgage Broker, I provide a detailed Loan Estimate within 3 days showing EXACT closing costs. Then I help you strategize:
- Should we ask for seller concessions?
- Should we use lender credits?
- Can we use assistance programs?
- How to minimize out-of-pocket?
My goal: Get you into your Dallas home with the LEAST cash needed!"
📞 Free Closing Cost Analysis: 713-301-0007
10. Should I buy or rent in Dallas in 2025? 🏠❓🏢
Answer from Top-Rated Market Expert Adam Bartling:
For MOST Dallas first-time buyers: BUY! Here's why:
📊 DALLAS MARKET FACTS (2025):
- Median home price: $415,000
- Median rent (2-bedroom): $1,800-$2,200/month
- Property appreciation (10-year avg): 6% annually
- Texas: NO state income tax = more money in your pocket
BUYING vs. RENTING COMPARISON:
Scenario: $400,000 Dallas Home
BUYING:
- Down payment: $14,000 (3.5% FHA)
- Monthly payment: $2,650 (Principal, Interest, Taxes, Insurance)
- Mortgage interest deduction: Save ~$300/month in taxes
- Property appreciation: ~$24,000/year (6%)
- Equity build: ~$500/month initially
- After 5 years:
- Equity from appreciation: ~$120,000
- Equity from payments: ~$30,000
- Total wealth: ~$150,000
RENTING:
- Move-in costs: $5,400 (first, last, deposit for $1,800/month)
- Monthly rent: $1,800 (increases 3-5% annually)
- Year 5 monthly rent: ~$2,100
- After 5 years:
- Total paid: ~$115,000
- Equity built: $0
- Total wealth: $0
🎯 When BUYING Makes Sense:✅ You plan to stay in Dallas 3+ years
✅ You have steady income/employment
✅ You're ready to settle down
✅ You want to build wealth
✅ You want control over your space
✅ You want tax benefits
When RENTING Makes Sense:
- You might relocate within 1-2 years
- You're still building credit
- You prefer flexibility
- You're saving for larger down payment
💡 Adam's Buy vs. Rent Analysis: "I provide a FREE personalized buy vs. rent analysis showing YOUR exact numbers. Most Dallas first-time buyers are SHOCKED at how much wealth they can build through homeownership versus renting!"
Real Dallas Buyer Success Story: "I helped a young Dallas professional making $75,000 buy a $350,000 home in Heartland with FHA. Her monthly payment was $2,400 vs. her previous $1,900 rent. Fast forward 3 years: Her home is worth $420,000 and she's built $85,000 in equity. She's ecstatic she bought instead of rented!"
📧 Free Buy vs. Rent Analysis: adam@bartlinglending.com
🌟 Why Texas Families Choose Adam Bartling as Their First Time Homebuyer Mortgage Broker
Real Client Success Stories:
"
🌟 What Dallas First-Time Buyers Say About Adam:
"Adam made buying our first home in Viridian SO easy! He explained everything, helped us get DHAP assistance, and we closed in 52 days!" - Sarah & Mike, Viridian
"As a fellow veteran, working with Adam was perfect. He understood the VA process and got us into our Prosper home with ZERO down!" - Lieutenant James R., Windsong Ranch
"We thought we couldn't afford a home in Dallas. Adam showed us how to stack grants and we bought our dream home in Canyon Falls!" - The Martinez Family, Canyon Falls
🏡 Your Dallas Homeownership Dream Starts NOW!
Don't wait another day paying rent and building someone else's equity. Trusted Mortgage Broker Adam Bartling is ready to guide you through every step of buying your first Dallas home.
Whether you're looking in Viridian, Windsong Ranch, Harvest, or any Dallas neighborhood - Adam has the expertise, programs, and dedication to make it happen.
📞 Call or Text Adam Today: 713-301-0007
🌐 Visit: www.BartlingLending.com
Licensed Mortgage Broker | NMLS #[Insert Number] | Equal Housing Opportunity
This guide is for informational purposes. Loan programs, rates, and requirements subject to change. Contact Adam Bartling for current information and personalized guidance.
🎯 QUICK REFERENCE: 2025 DALLAS FIRST-TIME HOMEBUYER DATA
Dallas County FHA Loan Limits:
- 1-unit (single-family): $563,500
- 2-unit: $721,400
- 3-unit: $872,000
- 4-unit: $1,083,650
Dallas County VA/Conventional Loan Limits:
- 1-unit: $806,500
Median Home Price Dallas: $415,000
Average Down Payment (FHA 3.5%): $14,525
First-Time Buyer Assistance:
- DHAP: Up to $50,000-$60,000
- TSAHC: Up to 5% of loan
- TDHCA: Up to 5% of loan
- MCC Tax Credit: Up to 20% of interest
Average Closing Costs: 2.5-4% of purchase price
🏡 Welcome Home to Dallas! Your Journey Starts with Adam Bartling at Bartling Lending! 🏡
📞 713-301-0007 | 📧 adam@bartlinglending.com | 🌐 www.BartlingLending.com
WHY DALLAS IS PERFECT FOR FIRST-TIME HOMEBUYERS
Dallas isn't just a great place to buy your first home—it's an INCREDIBLE place to build your future! Here's why:
💼 Economic Powerhouse
- Fortune 500 Headquarters: AT&T, Southwest Airlines, Texas Instruments, American Airlines
- Booming Job Market: Technology, healthcare, finance, aerospace
- No State Income Tax: Keep more of your hard-earned money!
- Business-Friendly: Constant corporate relocations = job opportunities
🎓 Outstanding Education
- Dallas ISD - Serving 150,000+ students
- Highland Park ISD - Top-rated schools
- Plano ISD - Nationally recognized
- Richardson ISD - Excellence in STEM
- Multiple Universities: SMU, UT Dallas, Dallas Baptist University
🎨 Culture & Entertainment
- Dallas Arts District - Largest urban arts district in the US
- Professional Sports: Cowboys, Mavericks, Stars, FC Dallas
- World-Class Dining - From BBQ to fine dining
- Deep Ellum - Live music and nightlife
- State Fair of Texas - Annual tradition
🌳 Quality of Life
- White Rock Lake - 1,000+ acres of recreation
- Klyde Warren Park - Urban oasis in downtown
- Dallas Arboretum - 66 acres of gardens
- DART System - Extensive public transportation
- DFW Airport - One of world's busiest, connecting you everywhere
🏘️ TOP 10 DALLAS NEIGHBORHOODS & MASTER-PLANNED COMMUNITIES FOR FIRST-TIME BUYERS
Trusted Local Expert Adam Bartling knows Dallas neighborhoods inside and out! Here are the TOP communities where first-time buyers are finding their dream homes:
1. Viridian (Arlington) 🌲
- Why Families Love It: 2,000 acres with 500 acres of lakes, rivers, and wetlands
- Price Range: $300,000 - $1,000,000+
- Amenities: Sailing center, lake club, tennis courts, dog park, miles of trails
- FHA-Friendly: YES! Adam has closed numerous FHA loans here
- Perfect For: Active families, nature lovers, 55+ community (Elements neighborhood)
- School District: Arlington ISD
- Commute: 15 minutes to Dallas or Fort Worth
2. Windsong Ranch (Prosper) 🎵
- Why Families Love It: Award-winning 2,000+ acre master-planned community
- Price Range: $350,000 - $700,000
- Amenities: Multiple pools, fitness center, community events, trails
- FHA-Friendly: Absolutely!
- Perfect For: Growing families, excellent schools
- School District: Prosper ISD (top-rated)
- Commute: 30 minutes to Dallas
3. Canyon Falls (Northlake) 🏞️
- Why Families Love It: 1,200 acres celebrating nature and outdoors
- Price Range: $350,000 - $800,000
- Amenities: Graham Branch Creek Nature Preserve, clubhouse, pools, parks
- FHA-Friendly: YES!
- Perfect For: Nature-loving families
- School District: Northwest ISD, Argyle ISD
- Commute: 25 miles north of Fort Worth, 40 miles from Dallas
4. Light Farms (Celina) 🌾
- Why Families Love It: Unique "agrihood" with working farm and community garden
- Price Range: $400,000 - $800,000
- Amenities: 150+ family garden plots, concerts, fishing, on-site elementary schools
- FHA-Friendly: YES!
- Perfect For: Families wanting farm-to-table lifestyle
- School District: Prosper ISD
- Commute: 35 miles north of Dallas
5. Harvest (Argyle) 🌻
- Why Families Love It: Named best community in the Metroplex!
- Price Range: $280,000 - $600,000
- Amenities: Working farm, orchards, community garden, fishing pond, event lawn
- FHA-Friendly: Absolutely!
- Perfect For: Eco-conscious families, sustainable living
- School District: Argyle ISD, Denton ISD
- Commute: 30 miles north of Fort Worth, 40 miles from Dallas
6. Inspiration (St. Paul/Wylie) ⭐
- Why Families Love It: Three-time 'Community of the Year' winner
- Price Range: $300,000 - $600,000
- Amenities: Resort-style pools, Lake Lavon access, parks, trails
- FHA-Friendly: YES!
- Perfect For: Families seeking lake lifestyle
- School District: Wylie ISD
- Commute: 25 miles from Dallas
7. Heartland (Forney) ❤️
- Why Families Love It: Affordable! Nature-focused community
- Price Range: $270,000 - $610,000
- Amenities: Resort-style amenities, on-site schools, trails
- FHA-Friendly: Absolutely!
- Perfect For: First-time buyers seeking value
- School District: Forney ISD
- Commute: 25 miles east of Dallas
8. Union Park (Little Elm) 🌊
- Why Families Love It: Lake Lewisville access, Del Webb 55+ neighborhood
- Price Range: $300,000 - $800,000
- Amenities: Pools, trails, parks, clubhouse, lakefront living
- FHA-Friendly: YES!
- Perfect For: Multi-generational families, lake lovers
- School District: Little Elm ISD
- Commute: 30 minutes to Dallas
9. Craig Ranch (McKinney) 🏆
- Why Families Love It: True master-planned with 2,200 acres
- Price Range: $350,000 - $750,000
- Amenities: Recreation facilities, retail, businesses, community events
- FHA-Friendly: Absolutely!
- Perfect For: Families wanting walkability
- School District: McKinney ISD
- Commute: 25 miles north of Dallas
10. Waterview (Rowlett) ⛳
- Why Families Love It: Golf course community on Lake Ray Hubbard
- Price Range: $400,000 - $900,000
- Amenities: Golf course, lake access, pools, trails
- FHA-Friendly: YES!
- Perfect For: Golf enthusiasts, lake lifestyle
- School District: Garland ISD, Rowlett ISD
- Commute: 20 minutes to Dallas
Houston is a Diverse & Full of Opportunity