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FHA loans in Balch Springs, TX

Quick answer

The 2026 FHA loan limit in Balch Springs, TX (Dallas County) is $563,500 for a single-family home, enough for a purchase price up to about $583,000 with 3.5% down. On the $208,200 median home value, that down payment is about $7,287 and the estimated payment is $1,990/month at 7.18%, which needs roughly $86,000 a year in income.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsData last updated

Median household income: $70,528; value-to-income ratio 2.95. Balch Springs ranks 162 by home value and 123 by population among 267 places in our TX dataset.

What does an FHA loan cost on a typical Balch Springs home?

ItemBalch Springs
Median home value (Census ACS)$208,200
Texas median home value$260,400
Down payment (3.5%)$7,287
Loan incl. 1.75% upfront MIP$204,429
Estimated monthly payment (PITI + MI)$1,990
Income needed (28% / 36%)$86,000 / $67,000
Dallas County 2026 FHA limit (1 unit)$563,500
Max purchase price at the limit$583,000

Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.

Payment includes Texas's 1.58% effective property tax rate (Census ACS), $2,864/yr homeowners insurance (NAIC state average) and 0.55% annual FHA MIP.

What is the 2026 FHA loan limit in Balch Springs?

Balch Springs is in Dallas County where HUD's 2026 one-unit FHA limit is $563,500. With the minimum 3.5% down, that caps the purchase price at about $583,000; above that you'd need a bigger down payment or a conventional loan (conforming limit $832,750).

The Balch Springs median home value of $208,200 is 20% below the Texas median, and within what the county limit supports.

Which down payment assistance programs can Balch Springs buyers use?

FHA loans in nearby cities

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FHA loan FAQs for Balch Springs

Balch Springs is in Dallas County, where HUD's 2026 FHA limit for a one-unit home is $563,500. With 3.5% down, that supports a purchase price up to about $583,000.

3.5% of $208,200 is about $7,287 with a 580+ credit score (10%, or $20,820, with a 500–579 score), plus closing costs.

At the $208,200 median value (below the Texas median of $260,400), the estimated payment of $1,990/month at 7.18% needs about $86,000 a year under the 28% housing guideline, or $67,000 if your total debts stay under 36%.

0 city-level, 1 county-level and 0 statewide programs are verified for this city (1 total). Check each official administrator's eligibility rules and available funds.

Sources

Data last updated October 23, 2026.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.