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Dallas–Fort Worth · Mortgage & Home Loans

Mortgage & Home Loans in Dallas–Fort Worth, Texas

VA, FHA, USDA, Conventional and more — get connected with a Texas real estate expert

With median home prices from $250k in Garland to $950k in Southlake, the DFW metro offers mortgage options for every budget. VA, FHA, USDA, conventional, and jumbo loans are all widely available—and DFW's no-state-income-tax advantage maximizes your buying power.

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Loan Programs in Dallas–Fort Worth

🎖️
VA Home Loans
0% down for military & veterans
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🏠
FHA Home Loans
3.5% down, flexible credit
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🌾
USDA Loans
0% down in eligible rural areas
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🔑
First Time Buyer
Down payment assistance programs
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🔄
Refinance
Lower your rate or cash out equity
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💰
Home Equity
Tap equity — Texas 80% rule applies
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Dallas–Fort Worth Mortgage Calculator

Mortgage Payment Calculator
Estimate your monthly payment — adjust any field instantly
Home Price$350,000
$100k$1.5M
Down Payment (10%)$35,000
0%50%
Interest Rate7.00%
3.00%12.00%
Loan Term
Estimated Monthly Payment
$2,723
taxes & insurance included
Principal & Interest$2,096
Property Tax (est. 1.8%)$525
Home Insurance (est.)$102
Total Interest (30 yr)$439,453
Total Loan Cost (30 yr)$754,453
Loan amount: $315,000  ·  Down: $35,000
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Estimates only. Actual rates, taxes, and payments vary. Not a loan commitment or mortgage solicitation. Contact a licensed Texas mortgage professional for accurate figures.

Mortgage Calculator by City — Dallas–Fort Worth

Click any city for a personalized mortgage payment estimate

Dallas→Fort Worth→Plano→Irving→Arlington→Frisco→McKinney→Carrollton→Richardson→Euless→Bedford→Hurst→Grapevine→Mansfield→Grand Prairie→North Richland Hills→Keller→Burleson→Lewisville→Denton→

Compare Loan Types in Dallas–Fort Worth

Loan TypeMin DownMin CreditIncome LimitPMI / FeesBest For
VA0%580+NoneNoneMilitary & veterans
FHA3.5%580+NoneRequired (MIP)First-time / lower credit
USDA0%640+~$112k/yrNone (0.35% fee)Rural eligible areas
Conventional3–20%620+NoneIf <20% downStrong credit buyers
Jumbo10–20%720+VariesNot availableHomes above $766,550

* Guidelines may vary by lender. Credit score, income, and property requirements apply. Not a mortgage commitment. For educational purposes only.

Dallas–Fort Worth Mortgage FAQs

What mortgage programs are best for first-time homebuyers in Dallas–Fort Worth?
DFW first-time buyers have excellent options: the Texas First Time Homebuyer program (My First Texas Home) offers down payment assistance up to 5% of the loan amount with below-market rates through TDHCA. FHA loans require just 3.5% down with a 580 FICO minimum. VA loans offer 0% down for eligible veterans—and DFW has one of the highest concentrations of military and veterans in Texas. Conventional HomeReady/Home Possible programs start at 3% down for qualifying income levels.
What is the median home price in the Dallas–Fort Worth metro?
DFW median home prices vary widely: entry-level markets like Garland ($255k), Mesquite ($235k), and Grand Prairie ($265k) offer accessibility. Mid-tier suburbs like Carrollton ($355k), Denton ($320k), and Euless ($295k) suit move-up buyers. Premium communities like Frisco ($510k), Allen ($460k), and Southlake ($950k) require jumbo financing. The overall DFW median is approximately $370,000–$400,000 in 2024.
Are VA loans available throughout the DFW metroplex?
Yes—VA loans are among the most popular loan types in DFW. The area's large military and veteran population (NAS JRB Fort Worth, Army Corps of Engineers, plus many veterans who settled here) creates strong lender expertise in VA financing. The 2024 VA loan limit with 0% down is $766,550; purchases above that require a partial down payment. VA loans require no PMI and offer competitive rates, making them ideal in DFW's competitive market.
How much income do I need to buy a home in Dallas, TX?
To afford Dallas's median home (~$320,000) with 10% down at 7% on a 30-year loan, total PITI is roughly $2,750/month. Using the 28% housing rule, you need approximately $118,000 gross annual income. However, DFW has diverse price points—at $250,000 you need ~$85,000/year. Major employers like Toyota, AT&T, American Airlines, and thousands of tech companies make these income levels accessible.
How competitive is the DFW mortgage market and how fast do I need to be pre-approved?
DFW is one of the most active real estate markets in the country. Pre-approval is essential before touring homes—most Dallas-area listing agents will not show properties to buyers without it. Pre-approval typically takes 1–3 business days. Once approved, DFW closings average 30–45 days. In strong seller's markets (spring/summer), buyers who delay pre-approval frequently lose properties to pre-approved competitors.

We'll connect you with a licensed Texas mortgage professional who specializes in Dallas–Fort Worth home loans. Free consultation, no obligation.

Claudio C. Carrizal, REALTOR®
TX License #0605215 · Relive Realty LLC

Free Mortgage Consultation — No Obligation

Claudio C. Carrizal is a licensed Texas REALTOR® with Relive Realty LLC serving all of Dallas–Fort Worth. Whether you're a first-time buyer, looking to refinance, or exploring VA loan benefits, Claudio connects you with the right resources at no cost to you.

CCCRES.COM is a licensed real estate brokerage. Mortgage consultations are provided through licensed third-party mortgage professionals. Claudio C. Carrizal License #0605215 | Relive Realty LLC. This is not a commitment to lend. All loans subject to credit approval.