First-Time Home Buyer
Programs in Irving, TX
Buy your first Irving home with as little as 3% down. Near Las Colinas and DFW Airport with corporate convenience.
Your Irving homeownership journey starts here
First-Time Buyer Programs for Irving
Stack these programs to minimize out-of-pocket costs:
My First Texas Home
TDHCA
Up to 5% down payment assistance
Low-interest second lien, forgivable after 3 years. Works with FHA/VA/Conventional.
Mortgage Credit Certificate (MCC)
TDHCA
20-40% mortgage interest tax credit
Reduces federal taxes annually for life of loan. $2,000+ yearly savings typical.
Conventional 97
Fannie Mae
3% down payment
For first-time buyers with 620+ credit. PMI removable at 20% equity.
FHA Loans
FHA/HUD
3.5% down, flexible credit
580+ credit score. Higher DTI allowed. Great for newer credit profiles.
HomeReady® / Home Possible®
Fannie/Freddie
3% down + income flexibility
Allows boarder income, ADU income. Reduced PMI for qualifying borrowers.
Dallas County HOME Program
Dallas County
Local DPA grants
Income-qualified assistance for Dallas County residents. Funds limited annually.
Why Start in Irving?
Corporate Career Hub
Fortune 500 companies hire young talent. Short commute to Las Colinas offices. Build career and equity simultaneously.
Airline Accessibility
American Airlines HQ, DFW Airport border. Perfect for flight crews, airline employees. First home near your base.
Urban + Suburban Mix
Las Colinas urban condos to Valley Ranch suburban homes. Find your style at your price point.
6.2% Annual Appreciation
Irving values rise steadily. Your starter home builds wealth for your next move. Smart investment.
Irving Starter Home Neighborhoods
Affordable Irving neighborhoods perfect for first-time buyers:
South Irving
Price Range: $220K-$350K
Character: Value-focused, established
Schools: Irving ISD
West Irving
Price Range: $250K-$380K
Character: Growing, family homes
Schools: Irving ISD
Near Irving Mall
Price Range: $200K-$320K
Character: Central, convenient
Schools: Irving ISD
Las Colinas (condos)
Price Range: $280K-$420K
Character: Urban, walkable
Schools: Irving ISD
Valley Ranch (townhomes)
Price Range: $300K-$420K
Character: Master-planned
Schools: Coppell ISD
Near DART Line
Price Range: $260K-$380K
Character: Transit-oriented
Schools: Irving ISD
Your Path to Irving Homeownership
Free Consultation
Discuss your goals, income, credit, and timeline. We'll map out your path to Irving homeownership.
Program Matching
Identify which assistance programs you qualify for. Stack benefits for maximum savings.
Pre-Qualification
Get your pre-qualification letter. Show sellers you're serious about your Irving offer.
Home Search
Work with an Irving-expert Realtor. Find your perfect first home near work and amenities.
Close & Celebrate
Navigate inspections, appraisal, and closing. Get the keys to your first Irving home!
Irving First-Time Buyer Success Stories
"Both young professionals at Las Colinas companies. Couldn't afford Las Colinas yet, but South Irving at $285K was perfect. TDHCA gave us $14K assistance. Building equity for Las Colinas upgrade later!"
February 2026
"Flight attendant at American Airlines, first home at 28. Emmett understood my per diem income. $320K Las Colinas condo, Conventional 97 with 3% down. Walking distance to Toyota Music Factory!"
January 2026
See What You Can Afford in Irving
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Irving First-Time Buyer FAQs
What first-time buyer programs are available in Irving, TX?
Irving first-time buyers can access: TDHCA My First Texas Home (up to 5% DPA), Dallas County HOME Program, Conventional 97 (3% down), FHA loans (3.5% down), and Mortgage Credit Certificate (MCC) for tax savings.
Can young corporate professionals buy in Irving?
Absolutely! Irving's diverse price points serve all budgets. Entry homes from $220K in South Irving, urban condos in Las Colinas from $280K. With 3% down on $300K, you need just $9,000.
Is Irving good for airline workers buying their first home?
Perfect! Irving borders DFW Airport and hosts American Airlines HQ. First-time buyer programs work with airline income. Emmett specializes in flight crew income verification for mortgages.
What is the income limit for Irving first-time buyer programs?
TDHCA programs in Dallas County have income limits around $110,000-$130,000 depending on household size and program type. Many young professionals and families qualify easily.
Ready for Your First Irving Home?
Corporate convenience, urban lifestyle, your first home. Let Emmett guide you.