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First-time home buyer programs in Lewisville, NC

Quick answer

First-time buyers in Lewisville, NC can use 3%-down conventional loans (up to the $832,750 Forsyth County conforming limit), 3.5%-down FHA, or VA and USDA where eligible, plus 2 verified city, county or statewide assistance programs. On the $284,300 median home, 3% down is about $8,529 and the estimated payment is $2,303/month at 7.18%.

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

Median household income: $84,424; value-to-income ratio 3.37. Lewisville ranks 45 by home value and 77 by population among 96 places in our NC dataset.

What does a first-time buyer loan cost on a typical Lewisville home?

ItemLewisville
Median home value (Census ACS)$284,300
North Carolina median home value$259,400
Down payment (3%)$8,529
Loan amount$275,771
Estimated monthly payment (PITI + MI)$2,303
Income needed (28% / 36%)$99,000 / $77,000
Forsyth County 2026 conforming limit (1 unit)$832,750
Max purchase price at the limit$858,000

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

Payment includes North Carolina's 0.70% effective property tax rate (Census ACS), $1,852/yr homeowners insurance (NAIC state average) and an estimated 0.5% PMI.

What is the 2026 conforming loan limit in Lewisville?

Lewisville is in Forsyth County. Conventional 3%-down loans go up to the $832,750 conforming limit (price ≈ $858,000); FHA loans go up to $541,287.

The Lewisville median home value of $284,300 is 10% above the North Carolina median, and within what the county limit supports.

Which down payment assistance programs can Lewisville buyers use?

First-time buyer loans in nearby cities

ClemmonsWinston-SalemKernersvilleLexingtonThomasvilleHigh Point

First-time buyer loan FAQs for Lewisville

On the $284,300 median: 3% conventional ≈ $8,529, 3.5% FHA ≈ $9,951, and 0% for eligible VA or USDA buyers. Conventional loans above $832,750 in Forsyth County become jumbo loans.

At the $284,300 median value (above the North Carolina median of $259,400), the estimated payment of $2,303/month at 7.18% needs about $99,000 a year under the 28% housing guideline, or $77,000 if your total debts stay under 36%.

0 city-level, 1 county-level and 1 statewide programs are verified for this city (2 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.