FHA loans in Dallas, TX

What FHA buyers should know about Dallas

Dallas County carries a high-cost FHA limit, which matters in neighborhoods where prices have moved quickly. FHA's 3.5% down option remains the most common path for first-time buyers here.

Two numbers drive a Dallas payment as much as your interest rate: property taxes, which run roughly 2.14% of value in Dallas County, and homeowners insurance, which averages about $3,500 a year locally. We quote both from the actual property rather than a statewide average, so your pre-approval holds up when you go under contract.

FHA financing in Dallas covers purchases, rate-and-term refinances, Streamline refinances for existing FHA borrowers, cash-out up to 80% of value, and 203(k) renovation loans for homes that need work before they'll pass an FHA appraisal.

Dallas County FHA loan limits

• 1 unit: $563,500
• 2 units: $721,449
• 3 units: $872,073
• 4 units: $1,083,892

Dallas County carries a high-cost FHA designation, which raises the ceiling above the Texas standard limit. Compare every county.

Nearby cities in Dallas County

This site is not affiliated with or endorsed by HUD, the FHA, or any government agency. Rate and payment examples are estimates for illustration only. Rates are subject to change and this is not a commitment to lend. Actual APR depends on credit, occupancy, loan amount, and property details.