How Much Should I Save for My Down Payment in Dallas?

Most buyers in Dallas don’t put 20% down — and they don’t need to.

Typical Down Payments in DFW

• First-time buyers: 3–6%

• Move-up buyers: 10–15%

• FHA: 3.5%

• VA: 0%

• USDA: 0%

• Jumbo Collin/Frisco market: 10–20%

Dallas Benefit: Competing with Less Down

Because so many buyers use FHA and Conventional 3–5%, sellers are comfortable with lower down payments — especially with strong pre-approval.