Conventional Loans in Arlington, TX
Finance your Arlington home with competitive conventional rates. Median $320K—affordable entry in DFW's entertainment capital.
Arlington offers exceptional value in DFW's central corridor
Why Conventional Loans Work in Arlington
Affordable Entry
Median $320K means low down payments. 3% down = $9,600 on median home.
Removable PMI
Unlike FHA, PMI drops at 78% LTV or by request at 80%. Build equity faster.
Room to Grow
$806K conforming limit covers all Arlington neighborhoods, from starter to premium.
UTA Connection
Faculty, staff, and graduates find Arlington perfect. Conventional handles various income types.
Entertainment Access
Live near AT&T Stadium and Globe Life Field. Your home value benefits from proximity.
Investment Potential
Conventional works for rental properties too. Build your Arlington portfolio.
Arlington Conventional Down Payment Options
Conventional 97 for first-time buyers
$320K home = $9,600 down
PMI required until 20% equity
Balance of low entry & lower PMI
$350K home = $35-52K down
Reduced PMI, better rates
No PMI, best terms
$400K home = $80,000 down
Zero PMI, lowest rate tier
Arlington Neighborhoods by Price
All Arlington neighborhoods fall under the $832,750 conforming limit:
North Arlington
Price Range: $280K-$450K
Loan Type: Conforming
Character: Top schools, family-focused
Pantego Area
Price Range: $320K-$550K
Loan Type: Conforming
Character: Quiet enclave
Entertainment District
Price Range: $300K-$480K
Loan Type: Conforming
Character: Near stadiums
Southeast Arlington
Price Range: $220K-$380K
Loan Type: Conforming
Character: Value-focused
West Arlington
Price Range: $260K-$420K
Loan Type: Conforming
Character: Newer development
Near UTA
Price Range: $200K-$350K
Loan Type: Conforming
Character: Investment potential
Arlington Conventional Loan Success Stories
"Upgrading from our starter home. $420K purchase, 15% down for lower PMI. Emmett locked 6.125% when rates spiked. North Arlington schools were worth every penny."
February 2026
"UTA professor, wanted the Pantego area. $490K home, 20% down = zero PMI. Emmett handled everything while I focused on tenure review. Closed seamlessly."
January 2026
Calculate Your Arlington Payment
Compare 3%, 10%, and 20% down scenarios. See how PMI affects your payment.
Arlington Conventional Loan Requirements
Basic Requirements
- 620+ credit score (740+ for best rates)
- 3-20% down payment
- 45% max debt-to-income ratio
- 2 years employment history
- Stable income documentation
- Property appraisal required
Arlington-Specific Notes
- Tarrant County conforming limit: $832,750
- Property taxes ~2.1% (factor into DTI)
- Entertainment worker income accepted
- UTA employment verification easy
- Most homes well under conforming limit
- Strong appraisal comps available
Arlington Conventional Loan FAQs
What is the conventional loan limit in Arlington, TX for 2026?
The 2026 conforming conventional loan limit in Arlington (Tarrant County) is $832,750. This easily covers virtually all Arlington homes, from starter properties to executive residences.
Why is Arlington great for conventional loan buyers?
Arlington offers excellent value with median prices around $320K—well below the conforming limit. This means most buyers can use conventional loans with competitive rates and avoid jumbo loan requirements.
Can I buy in Arlington with 3% down conventional?
Yes! Conventional 97 allows 3% down for first-time buyers. On a $320K Arlington home, that's just $9,600 down. PMI applies until you reach 20% equity, then it's removed.
Should I choose conventional or FHA in Arlington?
With 680+ credit, conventional often wins: removable PMI, no upfront funding fee, and potentially better rates. FHA works better for 580-679 credit or higher DTI situations.
Ready for Your Arlington Conventional Loan?
Cowboys, Rangers, and your new home—all in Arlington. Let's make it happen.