North Texas
Denton County
From the city of Denton to fast-growing Little Elm, Denton County is one of DFW's hottest markets, and Texas down payment assistance can help you compete. Eligible buyers may pair TSAHC or TDHCA help with the federal MCC tax credit, even at incomes well into six figures. TSAHC's 2026 limits in Denton County may reach about $181,650 for Home Sweet Texas and $205,870 for Homes for Texas Heroes, at any household size.
Quick Facts
- County seat Denton
- Region North Texas
- Population 960,000
- Home Sweet Texas income limit (non-targeted) ~$181,650
- FHA loan limit $563,500 Source: hud.gov
- FIPS code 48121
What Buyers Should Know
In Denton County, TSAHC’s county income limits may allow household income up to about $181,650 for Home Sweet Texas and $205,870 for Homes for Texas Heroes, at any household size. Many Denton County buyers may qualify for at least one TSAHC or TDHCA program; targeted areas are specific census tracts, not whole counties, so ask your lender whether a home’s address falls in one; outside those tracts, the standard income limits and first-time buyer rules apply.
FHA loan limits in Denton mirror the Dallas-Plano-Irving baseline. The 2026 conforming loan limit is $832,750 for a 1-unit home. VA loans are uncapped above conforming limits for full-entitlement veterans.
Property tax in Denton County averages around 1.94% effective (verify current year at the county appraisal district). The Texas residence homestead exemption shaves $140,000 off school-district appraised value and caps appraised value growth at 10% per year. Filing it is one of the most valuable steps a new homeowner can take. File on or before April 30 of the year following purchase.
North DFW Growth Corridor
Denton County is one of the fastest-growing US counties, anchored by Frisco (shared with Collin County), Flower Mound, Lewisville, Little Elm, Denton (county seat), Highland Village, and The Colony. Frisco ISD (~64,000 students), Lewisville ISD (~50,000), Denton ISD (~31,000), Northwest ISD, and Argyle ISD serve the county. The DFW Airport northern terminals, Grapevine Lake, and Lewisville Lake provide regional anchors. Most Denton County buyers route through state-level TSAHC, TDHCA, and MCC programs. See Collin County guide for adjacent DFW context.
Income Limits
Denton County Down Payment Assistance Income Limits
| Program | Max household income (non-targeted) | Max purchase price |
|---|---|---|
| Home Sweet Texas (TSAHC) | up to ~$181,650 (any household size) | bond DPA or MCC only: up to ~$589,596 |
| Homes for Texas Heroes (TSAHC) | up to ~$205,870 (any household size) | bond DPA or MCC only: up to ~$589,596 |
| My First Texas Home (TDHCA) | up to ~$121,100 (1–2 persons) / ~$139,265 (3+) | up to ~$589,596 |
| My Choice Texas Home (TDHCA) | up to ~$199,750 (conventional) / ~$205,870 (FHA/VA/USDA) | No purchase price limit |
| Figures show approximately how high non-targeted-area limits may reach for the standard above-80%-AMFI tier. TSAHC limits apply at any household size, and Homes for Texas Heroes has a higher limit than Home Sweet Texas; TSAHC's purchase price limit applies to bond-funded assistance and the MCC. My First Texas Home varies by household size and is for first-time buyers using FHA, VA, or USDA loans. My Choice Texas Home adds repeat buyers and conventional financing and has no purchase price limit. Limits may be higher in HUD-targeted census tracts and change periodically, so confirm your county's current figure with a participating lender before applying. | ||
Source: TSAHC county income limits + TDHCA Income & Purchase Price Limits
Loan Limits — Denton County
VA
VA loans are uncapped above conforming limits for full-entitlement veterans.
Cities in Denton County
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Down Payment Assistance in Denton, TX
See how Denton, TX buyers may get up to ~5% toward a down payment through statewide programs. Check the 2026 Denton County income and price limits.
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Down Payment Assistance in Lewisville, TX
Renting near Lake Lewisville? See how you may get up to ~5% toward a down payment, the 2026 Denton County limits, and how you can qualify.
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Frisco Down Payment Assistance
Down payment assistance in Frisco, TX may cover up to ~5% of your loan through TSAHC and TDHCA. See 2026 Collin and Denton County limits and how you qualify.
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Little Elm Down Payment Assistance: 2026 Guide
You do not need 20% down in Little Elm. Conventional starts at 3%, and assistance may add up to ~5% of your loan. See what your cash to close really looks like.
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Cleburne Down Payment Assistance: 2026 Guide for Johnson County
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Midlothian Down Payment Assistance: 2026 Programs and Limits
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Prosper Down Payment Assistance: 2026 Limits and What Actually Fits
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Rowlett Down Payment Assistance: 2026 Guide for Buyers
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