FHA Loans in Dallas, TX

Dallas anchors the northern half of the Dallas–Fort Worth metroplex, and it benefits from one of the higher FHA loan limits in Texas. For 2026, Dallas County and the surrounding DFW counties are set at $563,500 — above the national floor — which gives Dallas FHA buyers meaningful extra room compared with the state’s floor-limit metros. With a median sale price around $400,000, most single-family homes fall comfortably within that higher limit.

FHA is a core financing tool for Dallas buyers because the metro’s strong wage growth has outpaced many households’ savings. The 3.5% minimum down payment for buyers with a 580 or higher credit score (10% down for scores of 500–579) lowers the cash barrier in a market where competition can be stiff. Gift funds are permitted for the full down payment, which helps first-time buyers move quickly when the right home appears.

Dallas has one of the deepest corporate employment bases in the country, with AT&T and a large telecom presence, Texas Instruments in semiconductors, Southwest Airlines, and major health systems including Baylor Scott & White and Parkland. That diversity of stable, documentable income aligns well with FHA underwriting. Redeveloping neighborhoods such as Oak Cliff and Pleasant Grove, along with nearby Mesquite and Garland, offer entry points where FHA pricing still works.

As with all of Texas, Dallas buyers should weigh the higher property-tax burden. Because FHA escrows taxes monthly, the total payment — principal, interest, mortgage insurance, taxes, and homeowners insurance — is the number that matters most when planning a Dallas purchase.