Dallas County's 2026 FHA loan limit is $563,500 — part of an elevated tier shared with Collin, Denton, and Tarrant counties across the Dallas-Fort Worth metroplex, and meaningfully above the $541,287 floor that covers most of Texas, including Houston. Joe Pistone at CrossCountry Mortgage is licensed in Texas through the Texas Department of Savings and Mortgage Lending (SML) and works FHA files across Dallas-Fort Worth.
Yes — most buyers can get an FHA loan in Dallas, TX with as little as 3.5% down and a 580+ credit score (500–579 may qualify with 10% down). Dallas County's 2026 FHA loan limit is $563,500 for a single-family home — an elevated tier shared with Collin, Denton, and Tarrant counties across the Dallas-Fort Worth metroplex, and above the $541,287 floor that covers most of Texas, including Houston. The loan is available for owner-occupied primary residences only.
Dallas-Fort Worth's higher FHA limit reflects real local home prices, not a special program perk — so don't assume it stretches further than it does. Run your specific numbers against the $563,500 ceiling before you fall for a listing above it; a slightly larger down payment or a conventional comparison might be the better move on higher-end purchases.
FHA remains a strong path to homeownership across the Dallas-Fort Worth metroplex. For the full federal program rules, see HUD's FHA home loans overview.
Check My Eligibility →Dallas County's $563,500 FHA limit — shared with Collin, Denton, and Tarrant counties — sits well above the $541,287 floor that covers Harris County and most of the rest of Texas. HUD sets this elevated tier because Dallas-Fort Worth's median home prices run higher than the statewide baseline, not because of any special designation. Fort Worth, the metroplex's other half, shares in that elevated tier too — "Dallas-Fort Worth" genuinely functions as one connected housing market for loan-limit purposes, even though the two cities have distinct identities and downtowns roughly 30 miles apart.
Dallas anchors one of the country's largest concentrations of corporate headquarters and financial-sector employers, and the broader metroplex has been part of a well-documented wave of corporate relocations to North Texas from higher-cost, higher-tax states in recent years. That steady influx of employers and relocating workers is a real driver behind the area's elevated loan limit and its home-price growth relative to the rest of Texas — worth knowing whether you're a longtime local or part of that relocation wave yourself.
Uptown Dallas's dense high-rise condo market often prices above what a 3.5%-down FHA buyer can reach on larger units, though smaller condos can still fit under the limit if the building carries FHA approval. Bishop Arts District and Lakewood offer a wider mix of older, smaller homes alongside pricier renovated properties — worth checking address by address. FHA activity tends to be steadiest in the fast-growing suburban ring — Plano (Collin County) and Frisco (Denton/Collin County) — both of which share Dallas County's $563,500 limit and offer a broad supply of newer single-family inventory under that ceiling.
To qualify for an FHA loan in Dallas County, you'll generally need:
No income limits. No first-time buyer requirement. Joe Pistone works with borrowers across the credit spectrum on Dallas-Fort Worth files — call (941) 260-1894 and we'll walk through what applies to your specific situation.
Check your FHA eligibility in minutes — no credit pull, no obligation, no SSN required.
Check My Dallas Eligibility →The 2026 FHA loan limit for Dallas County is $563,500 for a single-family (1-unit) home — part of an elevated tier that covers Dallas, Collin, Denton, and Tarrant counties across the Dallas-Fort Worth metroplex. That's above the $541,287 national floor that covers most of Texas, including Harris County (Houston), reflecting the DFW area's higher median home prices.
FHA guidelines require a minimum 580 credit score to qualify for the 3.5% down payment option. Scores between 500 and 579 may qualify with a 10% down payment. Joe Pistone works with borrowers across the credit spectrum to find the right path forward.
Yes — the entire 3.5% FHA down payment can come from a documented gift from a family member, employer, or approved charitable organization. On a $563,500 loan, that's roughly $19,723 in down payment, and gift funds are a common way Dallas-area buyers cover it.
Only if the condo project is on HUD's approved list, or the specific unit qualifies under FHA's single-unit approval option. Dallas has an active high-rise and townhome condo market, particularly in and around Uptown, and not every building or HOA qualifies — Joe can check a specific project's FHA status before you write an offer.
With CrossCountry Mortgage, most Dallas borrowers receive a pre-approval decision within 24 to 48 hours of submitting complete documentation. Having pay stubs, bank statements, and any gift letters ready in advance is the biggest factor in speed.
For the full statewide FHA guide and other Texas markets:
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