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First-time home buyer programs in Cedar Hill, TX

Quick answer

First-time buyers in Cedar Hill, TX can use 3%-down conventional loans (up to the $832,750 Dallas County conforming limit), 3.5%-down FHA, or VA and USDA where eligible, plus 1 verified city, county or statewide assistance program. On the $273,200 median home, 3% down is about $8,196 and the estimated payment is $2,504/month at 7.18%.

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

Median household income: $90,608; value-to-income ratio 3.02. Cedar Hill ranks 109 by home value and 77 by population among 267 places in our TX dataset.

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

ItemCedar Hill
Median home value (Census ACS)$273,200
Texas median home value$260,400
Down payment (3%)$8,196
Loan amount$265,004
Estimated monthly payment (PITI + MI)$2,504
Income needed (28% / 36%)$108,000 / $84,000
Dallas 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 Texas's 1.58% effective property tax rate (Census ACS), $2,864/yr homeowners insurance (NAIC state average) and an estimated 0.5% PMI.

What is the 2026 conforming loan limit in Cedar Hill?

Cedar Hill is in Dallas County. Conventional 3%-down loans go up to the $832,750 conforming limit (price ≈ $858,000); FHA loans go up to $563,500.

The Cedar Hill median home value of $273,200 is 5% above the Texas median, and within what the county limit supports.

Which down payment assistance programs can Cedar Hill buyers use?

First-time buyer loans in nearby cities

DuncanvilleDeSotoGlenn HeightsGrand PrairieMidlothianMansfield

First-time buyer loan FAQs for Cedar Hill

On the $273,200 median: 3% conventional ≈ $8,196, 3.5% FHA ≈ $9,562, and 0% for eligible VA or USDA buyers. Conventional loans above $832,750 in Dallas County become jumbo loans.

At the $273,200 median value (close to the Texas median of $260,400), the estimated payment of $2,504/month at 7.18% needs about $108,000 a year under the 28% housing guideline, or $84,000 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.