FHA Loans in Dallas, TX
Dallas offers urban energy with suburban affordability. From the arts of Bishop Arts to the schools of Lake Highlands, buy your Dallas home with just 3.5% down.
Dallas neighborhoods offer diverse FHA-eligible homes at competitive prices
Why Buy a Home in Dallas with FHA?
Corporate Relocations
AT&T, Southwest Airlines, Tenet Healthcare HQs. Major employers bringing talent to Dallas daily.
Below Austin Prices
Dallas homes average $100K less than Austin. More home for your money in a major metro.
Arts & Culture Hub
Dallas Arts District is the nation's largest. Bishop Arts, Deep Ellum offer walkable urban living.
No State Income Tax
Texas has no state income tax. Your Dallas paycheck stretches further for housing.
Sports & Entertainment
Cowboys, Mavericks, Rangers—Dallas is a sports fan's dream with world-class venues.
Central Location
Drive to Houston (4hrs), Austin (3hrs), or fly anywhere from DFW—one of the world's busiest airports.
Dallas Neighborhoods for FHA Buyers
These Dallas communities have homes within the $541,287 FHA limit:
Bishop Arts (Oak Cliff)
Price Range: $280K-$450K
Character: Artsy, walkable, revitalized
Lake Highlands
Price Range: $320K-$500K
Character: Great schools, established
Casa View
Price Range: $200K-$350K
Character: Mid-century, affordable
East Dallas
Price Range: $280K-$480K
Character: Historic, Lakewood-adjacent
Pleasant Grove
Price Range: $180K-$300K
Character: Entry-level, improving
Old East Dallas
Price Range: $300K-$500K
Character: Victorian homes, trendy
Dallas Homeowners Share Their Stories
"We fell in love with Bishop Arts but thought we couldn't afford it. Emmett found us an FHA-eligible home just blocks from our favorite coffee shop. 3.5% down made it possible!"
January 2026
"Single professional, first home. The Lake Highlands schools were important for future planning. Emmett helped me understand FHA and closed in 30 days."
December 2025
Calculate Your Dallas FHA Payment
See what you can afford in Dallas with our FHA mortgage calculator. Factor in property taxes, insurance, and MIP.
Open CalculatorDallas FHA Loan FAQs
What is the FHA loan limit in Dallas, TX for 2026?
The 2026 FHA loan limit in Dallas is $541,287 for single-family homes in Dallas County. This covers most neighborhoods including Oak Cliff, Pleasant Grove, and many Lake Highlands homes.
Which Dallas neighborhoods work best for FHA buyers?
FHA-friendly Dallas neighborhoods include Oak Cliff (Bishop Arts, Kessler Park), Pleasant Grove, Casa View, Lake Highlands (select areas), and East Dallas. These areas have homes ranging from $200K-$480K.
Can I buy a condo in Uptown Dallas with an FHA loan?
Some Uptown condos are FHA-approved, but many exceed the $541,287 limit. Victory Park and parts of Knox-Henderson have FHA-eligible units. The condo complex must be on the FHA-approved list.
How does Dallas compare to Austin for FHA buyers?
Dallas offers better value for FHA buyers. Median home prices are $100K+ lower than Austin, and more inventory falls within FHA limits. Dallas also has stronger job diversity—finance, healthcare, tech, and defense.
More Dallas Loan Options
Ready to Buy in Dallas?
From Oak Cliff to Lake Highlands, I'll help you navigate Dallas's diverse market and get pre-qualified fast.