Buy Your First Home in Irving, TX

Closer to Dallas, this multicultural area is more affordable and diverse—ideal for young professionals or first-time homebuyers seeking character and value with easy highway access.

Irving’s birthplace featuring an eclectic mix of old and new homes with easy walkability to locally owned dining and entertainment. TRE rail stop provides Fort Worth access!

Adjacent to Baylor Scott & White Medical Center, this quiet, older section offers traditional homes on streets lined with mature shade trees. Perfect for healthcare workers!

Master-planned community with canals, walk paths, and lush green spaces. Access to highly-rated Coppell schools and a suburban favorite for growing families seeking peace and amenities.

Upscale master-planned community known for corporate headquarters, modern amenities, and luxury living. Toyota Music Factory, Mandalay Canal, and Lake Carolyn create an urban oasis.

Near North Lake College and Las Colinas, offering spacious homes with large lots on quiet, winding streets. Suburban feel with excellent schools and proximity to shopping and transit.

Why Irving Is Perfect for First-Time Buyers

Irving sits at the strategic center of DFW, offering what few cities can match: Fortune 500 job access (ExxonMobil, Kimberly-Clark, AT&T), DFW International Airport minutes away, and housing prices well below trendy suburbs like Plano or Frisco.

The city’s 75060 zip code was recently named “the hottest in Texas and one of the hottest in the nation for home sales” by Realtor.com! Plus, Irving is one of Texas’s most diverse cities, reflected in world-class dining from Indian to Vietnamese to Tex-Mex—all within your new neighborhood.

City of Irving DPA

Texas’s most generous city program! 0% forgivable loan for down payment and closing costs. Forgivable after 5 years (up to $14,999) or 10 years ($15K-$50K).

• ✓ 0% interest, deferred loan
• ✓ Forgivable after 5-10 years
• ✓ ≤80% Area Median Income
• ✓ Must purchase in Irving city limits

TSAHC Programs

Statewide Texas programs—grants or forgivable second liens up to 5% of loan amount for eligible buyers. Can combine with city program!

• ✓ Home Sweet Texas (all buyers)
• ✓ Homes for Texas Heroes
• ✓ Grant or forgivable 2nd lien
• ✓ 620+ credit score typically

My First Texas Home

TDHCA program for first-time homebuyers offering up to 5% of loan amount for down payment and closing costs.

• ✓ First-time buyers only
• ✓ 30-year fixed rate mortgage
• ✓ FHA, VA, USDA eligible
• ✓ Income limits apply

SETH 5 Star Texas Advantage

Southeast Texas HFC program with assistance up to 5% of loan amount. Options include 3-year forgivable loans!

• ✓ 3-year forgivable option
• ✓ FHA, VA, USDA, Conventional
• ✓ 30-year fixed rate
• ✓ Available in Irving

FHA Loan

• ✓ Credit scores 580+ accepted
• ✓ Gift funds for down payment
• ✓ Higher DTI ratios OK
• ✓ Seller pays up to 6% costs

Conventional 97

• ✓ Credit scores 620+ typically
• ✓ PMI removable at 20%
• ✓ No upfront mortgage insurance
• ✓ Competitive interest rates

VA Loan

• ✓ Veterans & active duty
• ✓ No monthly PMI
• ✓ Competitive rates
• ✓ Seller pays closing costs

Condo Financing

• ✓ Perfect for Las Colinas condos
• ✓ FHA & conventional options
• ✓ HOA-approved complexes
• ✓ Urban living, lower entry

Education-First Approach

We explain everything clearly—no jargon, no pressure. You’ll understand every option before making decisions.

Veteran-Owned & Operated

Retired Army Captain bringing military values of integrity, service, and dedication to every transaction.

$50K DPA Experts

We know Irving’s generous city program inside and out—and help you stack it with state programs for maximum benefit.

Direct Lender Power

Movement Mortgage’s dedicated team means faster processing, competitive rates, and on-budget closings.

On-Time Closings

We close when we say we will. Movement Mortgage’s team structure keeps you on track.

Lender for Life

Annual real estate reviews to help you build wealth—your success doesn’t end at closing.

“Irving’s $50,000 DPA program sounded too good to be true, but Adam’s team walked us through every step. We qualified for $35,000 in assistance and closed on a beautiful home in Valley Ranch. Our kids love the trails and canals!”

“I work at ExxonMobil and wanted to live close to the office. Adam found me a great condo in Las Colinas within my budget. He even helped me navigate the HOA approval process, which can be tricky for condos. Super smooth!”

“As an Air Force veteran, I appreciated working with Adam—a fellow service member who understood my needs. We used my VA benefit to get into Heritage District with zero down. The walkability to restaurants and the TRE train is amazing!”

How does Irving’s $50,000 down payment assistance work?

Irving’s program provides a 0% interest, forgivable loan for down payment and closing costs. Loans up to $14,999 are forgiven after 5 years; loans from $15,000-$50,000 are forgiven after 10 years. You must purchase within Irving city limits and meet income requirements (≤80% AMI).

How much home can I afford in Irving?

Irving’s median home ($360K) requires about $78K annual income. More affordable areas like Irving Heights and Heritage District offer homes in the $250K-$375K range, requiring around $55K-$80K income. With $50K in DPA, your effective budget stretches significantly!

What are the most affordable Irving neighborhoods?

Irving Heights ($250K-$350K) offers the best value with diverse character and Dallas access. Heritage District ($275K-$375K) adds historic charm and rail transit. Hospital District ($300K-$400K) offers quiet, tree-lined streets near Baylor Medical.

Why do people choose Irving over Plano or Frisco?

Irving offers similar job access (Fortune 500 headquarters, DFW Airport) at significantly lower prices. Plus, Irving’s $50K DPA program is among Texas’s most generous. You also get incredible cultural diversity and dining options that rival any DFW suburb.

Can I buy a condo in Las Colinas as a first-time buyer?

Absolutely! Las Colinas has condos starting in the $200K-$300K range—perfect for first-time buyers wanting urban amenities. We have extensive experience with condo financing and HOA approval processes. FHA and conventional options both available.

I’m a veteran—what are my options in Irving?

VA loans are excellent for Irving—0% down, no PMI! You can potentially combine VA financing with Irving’s city DPA for closing costs (check program requirements). As a veteran-owned business and retired Army Captain, Adam specializes in serving fellow veterans.