Mortgage lender in Dallas County, TX

Buying in Dallas County

Dallas County, with its county seat in Dallas, also takes in Irving, Garland, Mesquite, Grand Prairie, Richardson, DeSoto and Carrollton. Dallas County files are handled by Steve Umansky, Sr. Branch Manager, NMLS #61764, who is licensed in Texas, from our Southampton, PA office.

2026 conforming limit

$832,750

2026 FHA limit

$563,500 (one-unit, set by HUD)

Above the conforming limit

Jumbo pricing

Closing commonly handled by

title company

State housing agency

Texas Department of Housing and Community Affairs (TDHCA) (general information; not a participating lender)

Your officer

Steve Umansky, NMLS #61764

2026 limits for a one-unit property. Dallas County is not designated a high-cost area for conforming loans, so the national baseline of $832,750 applies. Sources: FHFA conforming loan limit values and HUD FHA mortgage limits.

Dallas County: the city and the first ring of suburbs

Dallas has every kind of housing: high-rise condominiums in Uptown and downtown, older homes in East Dallas and Oak Cliff, and very high prices in the Park Cities and Preston Hollow, where jumbo loans apply. A condominium means the association is reviewed along with the buyer.

Garland, Mesquite, Irving, Grand Prairie and the southern suburbs have more moderate prices, where FHA loans are a common fit. Hail is a regular event in North Texas, so the age and condition of the roof matters to insurers and appraisers alike. Property taxes are high across Texas; we use the actual rate for the address and remind owner-occupants to file for the homestead exemption.

Dallas County by the numbers

Median home value

$303,000 (Census Bureau, ACS 2020–2024, table B25077)

Typical property tax

About 1.58% of home value a year: median tax bill $4,798 on a median value of $303,000 (Census Bureau, ACS 2020–2024, table B25103)

Transfer tax

None. Texas has no real estate transfer tax (Texas Constitution, art. VIII, § 29)

Largest communities

Dallas, Irving, Garland, Mesquite (Census Bureau, ACS 2020–2024, table B01003)

The county median home value is $303,000. The 2026 one-unit conforming loan limit here is $832,750 and the FHA limit is $563,500.

Census figures are survey estimates for owner-occupied homes, not appraisals or tax quotes. We use the actual tax bill for the property when we quote.

Closing and programs in Texas

Closings in Texas are typically handled by a title company. The closing process, state transfer and recording taxes and first-time buyer programs are covered on the Texas page. Property taxes are set locally; we take the figure from the tax record for the address.

Questions Dallas County buyers ask

Texas notice. Texas residents: see the Texas complaint notice required by the Department of Savings and Mortgage Lending.

Limits shown are the 2026 FHFA and HUD figures for Dallas County. Loan limits, tax rates and agency programs are set by third parties and change. Not a commitment to lend.