FHA Loans in Irving, TX
Buy in corporate Irving with just 3.5% down. Near Las Colinas, DFW Airport, and Fortune 500 headquarters.
Irving offers urban living with corporate convenience
Why Buy a Home in Irving with FHA?
Corporate Hub
ExxonMobil, Kimberly-Clark, Fluor, and more. Walk to work in Las Colinas. Short commute from anywhere.
Airport Proximity
DFW Airport on the border. American Airlines HQ in Irving. Perfect for airline professionals.
Toyota Music Factory
Live music, dining, entertainment. Urban lifestyle in the heart of Irving. Walk to concerts.
Las Colinas Urban
Canal walk, urban towers, mixed-use living. Downtown feel without downtown Dallas prices.
Central DFW
Equal distance to Dallas and Fort Worth. DART Orange Line access. Easy commute anywhere.
6.2% Appreciation
Irving values rising steadily. Corporate demand keeps market strong. Solid investment.
Irving Neighborhoods for FHA Buyers
Irving neighborhoods with homes under the $541,287 FHA limit:
South Irving
Price Range: $220K-$350K
Character: Affordable, established
West Irving
Price Range: $240K-$380K
Character: Growing, value-focused
Valley Ranch
Price Range: $300K-$500K
Character: Master-planned, urban
Las Colinas (condos)
Price Range: $280K-$480K
Character: Urban core, walkable
Near Irving Mall
Price Range: $200K-$320K
Character: Central, convenient
North Irving
Price Range: $280K-$420K
Character: Near Coppell, good schools
Irving Homeowners Share Their Stories
"Both flight attendants at American Airlines. Emmett understood our irregular income perfectly. Valley Ranch townhome at $385K with FHA—3.5% down. 10-minute drive to DFW!"
February 2026
"Young professional at a Las Colinas company. Couldn't afford Las Colinas prices, but South Irving at $275K was perfect. FHA made it happen with 3.5% down. Upgrading later!"
January 2026
Calculate Your Irving FHA Payment
See exactly what an Irving home would cost monthly. Include taxes, insurance, and PMI.
Irving FHA Loan Requirements 2026
Basic Requirements
- 580+ credit score (3.5% down)
- 500-579 credit score (10% down)
- Steady employment (2+ years)
- 43% max debt-to-income ratio
- Primary residence only
- Property must meet FHA standards
Irving-Specific Info
- Dallas County FHA limit: $541,287
- Property taxes: ~2.3% (budget accordingly)
- Airline/flight crew income accepted
- Condo projects need FHA approval
- DART access adds property value
- Las Colinas HOA fees vary widely
Frequently Asked Questions: Irving FHA Loans
What is the FHA loan limit in Irving, TX for 2026?
The 2026 FHA loan limit in Irving (Dallas County) is $541,287. Irving offers diverse housing from affordable apartments to upscale Las Colinas homes, with many options within FHA limits.
Which Irving neighborhoods work best for FHA buyers?
FHA-friendly Irving neighborhoods include South Irving, West Irving, Valley Ranch older sections, and areas near Irving Mall. Valley Ranch townhomes and condos often fall within FHA limits.
Is Irving good for airline workers buying with FHA?
Absolutely! Irving borders DFW Airport. American Airlines HQ is here. Airline workers’ income (including flight hours) can qualify for FHA. Emmett specializes in airline employee income verification.
Can I buy a Las Colinas condo with FHA?
Yes, many Las Colinas condos and townhomes fall within the $541,287 FHA limit. The condo project must be FHA-approved or qualify for single-unit approval. Emmett can guide you through the process.
Ready to Buy in Irving?
Las Colinas lifestyle, DFW convenience. Get pre-qualified for your Irving FHA loan today.