What is the median home price in Lewisville TX and what loan programs fit?

Lewisville's median home price is in the mid-$300K range — comfortably within FHA and conventional loan limits. FHA loans work well for first-time buyers with 3.5% down. Conventional loans start at 3% down for qualified buyers. VA loans offer zero-down for eligible veterans. Lewisville sits in Denton County within LISD (Lewisville ISD), one of DFW's largest districts. Our Lewisville mortgage specialists can match you to the right program in about 15 minutes.

What makes Lewisville TX a smart buy compared to northern suburbs like Frisco?

Lewisville offers excellent value in Denton County — typically $100K–$150K less per home than comparable properties in Frisco or The Colony while still offering Lake Lewisville access, LISD schools, and easy access to both Dallas and Fort Worth via I-35E. For buyers who want established suburban living without the price premium of North Collin County, Lewisville is a strong choice with room for continued appreciation.

Which loan types work best for Lewisville home purchases?

Lewisville's median home price of $395,000 falls within both FHA and conforming loan limits, giving you the widest range of options: FHA loans from 3.5% down ($13,825) with credit scores as low as 550, conventional loans from 3% down ($11,850) with scores of 600+, and VA loans with zero down for eligible veterans. All major loan types are available for most Lewisville purchases.

What is the FHA loan limit in Lewisville, TX?

The 2026 FHA loan limit in Lewisville (DFW MSA) is $563,500 for a single-family home — well above Lewisville's median home price of $395,000. That means FHA financing is available for virtually all standard Lewisville home purchases, with as little as 3.5% down and credit scores starting at 580 (or 550 with 10% down). The conforming loan limit for conventional loans is $832,750, also far above the typical Lewisville purchase price, giving buyers a wide range of program options.

What is the conventional loan limit in Lewisville, TX?

The 2026 conforming loan limit is $832,750 for Lewisville and the entire DFW metro. Conventional loans up to this amount qualify for competitive interest rates, require only 3% down for first-time buyers, and avoid the FHA mortgage insurance premium structure. At Lewisville's median price of $395,000, conventional financing easily covers all typical Lewisville purchases. The FHA loan limit in Lewisville is also $563,500 — both limits are well above the median, giving buyers flexibility to choose the program that fits their financial profile.

What credit score do I need to buy a home in Lewisville, TX?

Credit score requirements vary by loan program for Lewisville homebuyers: FHA loans require 580+ for 3.5% down ($13,825 on the median Lewisville home) or 550+ with 10% down. Conventional loans need 600+ with AUS approval (620+ for manually underwritten loans) and offer as little as 3% down ($11,850). VA loans have no VA-mandated minimum — our company minimum is 550. Jumbo loans (above $832,750) typically require 700+. Even with lower scores, Non-QM options starting at 620+ may be available. We can review your credit profile and match you with the best program — get a free pre-approval to see your options.

How much home can I afford in Lewisville, Texas?

Based on Lewisville's median home price of $395,000, a typical monthly payment with 20% down ($79,000) would be approximately $1,997/month including principal, interest, Denton County property taxes, and homeowners insurance. First-time buyers can put as little as 3% down ($11,850) on conventional or 3.5% ($13,825) on FHA loans, though monthly payments will be higher with mortgage insurance. Our Lewisville mortgage calculator factors in exact Denton County tax rates by school district — try it to see personalized numbers for your budget.

How much are property taxes in Lewisville, Denton County?

Property tax rates in Lewisville vary by school district and special taxing districts within Denton County, typically ranging from 1.8% to 2.8% of assessed value. On a $395,000 home, that's roughly $724/month in property taxes. Texas has no state income tax, which partially offsets the higher property taxes. Some areas may include MUD (Municipal Utility District) or PID (Public Improvement District) fees. Our Lewisville calculator uses verified rates from the Denton County Appraisal District — enter any address to see exact tax estimates.

What down payment assistance programs are available in Lewisville?

Lewisville homebuyers in Denton County can access TSAHC (Texas State Affordable Housing Corporation) down payment assistance through two options: (1) a DPA Grant of 2-5% of the loan amount, forgiven after just 6 months — available with FHA, VA, or USDA loans, minimum 620 FICO; (2) a 3-Year Deferred Forgivable Second Lien of 2-5% at 0% interest, forgiven on the 3rd anniversary — available with all loan types including HFA Conventional, minimum 620-640 FICO. The Denton County income limit is $146,625 (Non-Bond DPA). First-time homebuyer status is NOT required for Non-Bond DPA. Teachers, veterans, police, firefighters, EMS, and corrections officers may qualify for the Homes for Texas Heroes program. FHA loans require just 3.5% down ($13,825 on a $395,000 home), and VA loans offer zero-down financing. Get pre-approved to see which DPA programs you qualify for.

How long does it take to close on a home in Lewisville?

Our average closing time for Lewisville home purchases is 21 days from contract to keys, compared to the industry average of 45+ days. This speed advantage makes your offer more competitive with Lewisville sellers. Pre-approved buyers often close even faster since appraisal and underwriting begin immediately. We coordinate directly with Denton County title companies and appraisers to prevent delays. Getting pre-approved before house hunting puts you in the strongest position.

What's the first step to buying a home in Lewisville?

The first step is getting pre-approved — it's free, takes about 15 minutes, and gives you a clear picture of your Lewisville home buying budget. Pre-approval shows sellers you're a serious, qualified buyer and strengthens your offer in competitive Denton County neighborhoods. You'll know exactly which loan programs you qualify for (conventional, FHA, VA, or jumbo), your maximum purchase price, and estimated monthly payment including Denton County taxes. Start your free pre-approval online or call us to discuss your Lewisville home buying goals.

Lewisville TX Home Loans | Lake Lewisville

<div style="max-width:1200px;margin:0 auto;padding:20px;font-family:system-ui,sans-serif;" role="main" aria-label="Lewisville mortgage information"> <nav style="font-size:14px;color:#718096;margin-bottom:20px;" aria-label="Breadcrumb"> <a style="color:#2563eb;" href="https://www.patrickglaros.com">Home</a> > <a style="color:#2563eb;" href="https://www.patrickglaros.com/cities">Cities</a> > <span>Lewisville</span> </nav> <main> <article> <header> <h1 style="color:#1a365d;margin-bottom:10px;font-size:2rem;">Buy Your Lewisville Home — We Handle the Mortgage</h1> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">Lewisville TX mortgage expert — Denton County's best-value suburb near Lake Lewisville. FHA, VA & conventional at competitive rates. 21-day average close. No credit check to get started. Patrick Glaros</p> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">Get pre-approved in minutes, not days. Local Denton County expertise with personalized service from application to closing.</p> </header> <p style="color:#2563eb;font-size:1.1rem;font-weight:600;margin:15px 0;">Lakeside Living, Smart Value</p> <section> <h2 style="color:#2d3748;margin-top:30px;font-size:1.5rem;">Why Lewisville Appeals to Homebuyers</h2> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">Lewisville combines Lake Lewisville waterfront access, excellent Lewisville ISD schools, and mid-market pricing in an established suburban setting. The balanced market with adequate inventory provides good buyer selection.</p> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">Access to the same highly-rated Lewisville ISD that serves Flower Mound and Highland Village makes Lewisville compelling value. Buyers save $180,000-$200,000 compared to Flower Mound while getting identical school district access.</p> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">Highway connectivity via I-35E and 121 provides easy commutes to Dallas, Denton, and DFW Airport employment centers. Lower Denton County property taxes add further cost advantages over Dallas County alternatives.</p> <ul style="list-style-type:disc;padding-left:20px;color:#4a5568;"> <li>Lewisville ISD: Grade A, #34 in Texas</li> <li>Lake Lewisville recreation access</li> <li>$180K-$200K below Flower Mound pricing</li> <li>Lower taxes than Dallas County</li> <li>Strong highway connectivity</li> </ul> </section> <section> <h2 style="color:#2d3748;margin-top:30px;font-size:1.5rem;">Frequently Asked Questions About Lewisville Home Loans</h2> <details style="margin:10px 0;border:1px solid #e2e8f0;border-radius:8px;padding:0;"> <summary style="padding:12px 15px;cursor:pointer;font-weight:600;color:#2d3748;">What is the median home price in Lewisville?</summary> <p style="padding:0 15px 12px;color:#4a5568;line-height:1.6;margin:0;">Lewisville's median is $385,000-$405,000, offering more affordable Lewisville ISD access compared to Flower Mound ($540K) or Highland Village ($650K). Our Lewisville mortgage calculator factors in Denton County tax rates so you can see your true monthly cost before you start shopping.</p> </details> <details style="margin:10px 0;border:1px solid #e2e8f0;border-radius:8px;padding:0;"> <summary style="padding:12px 15px;cursor:pointer;font-weight:600;color:#2d3748;">What financing options are available in Lewisville?</summary> <p style="padding:0 15px 12px;color:#4a5568;line-height:1.6;margin:0;">Multiple financing options serve Lewisville buyers including conventional loans (3-20% down), FHA loans (3.5% down), and various first-time buyer assistance programs for qualified buyers. Start a free pre-approval to compare programs side by side — it takes about 15 minutes with no hard credit pull.</p> </details> <details style="margin:10px 0;border:1px solid #e2e8f0;border-radius:8px;padding:0;"> <summary style="padding:12px 15px;cursor:pointer;font-weight:600;color:#2d3748;">What are Lewisville property taxes?</summary> <p style="padding:0 15px 12px;color:#4a5568;line-height:1.6;margin:0;">1.68% effective rate (lower than Dallas County). On $385K home: $6,468/year or $539/month. Various exemptions available for eligible homeowners. Our Lewisville calculator includes verified Denton County tax rates for every school district — try it to see your exact monthly costs.</p> </details> <details style="margin:10px 0;border:1px solid #e2e8f0;border-radius:8px;padding:0;"> <summary style="padding:12px 15px;cursor:pointer;font-weight:600;color:#2d3748;">What is the advantage of Lewisville for homebuyers?</summary> <p style="padding:0 15px 12px;color:#4a5568;line-height:1.6;margin:0;">Access to top-rated Lewisville ISD (same as Flower Mound) at $180K-$200K less cost. Lake recreation, good highway access, lower taxes than Dallas County.</p> </details> <details style="margin:10px 0;border:1px solid #e2e8f0;border-radius:8px;padding:0;"> <summary style="padding:12px 15px;cursor:pointer;font-weight:600;color:#2d3748;">How does Lewisville compare to The Colony?</summary> <p style="padding:0 15px 12px;color:#4a5568;line-height:1.6;margin:0;">Similar lakeside access and school district (Lewisville ISD) with comparable pricing ($385K vs $400K). Lewisville offers more established neighborhoods, The Colony has newer development.</p> </details> <details style="margin:10px 0;border:1px solid #e2e8f0;border-radius:8px;padding:0;"> <summary style="padding:12px 15px;cursor:pointer;font-weight:600;color:#2d3748;">How do I get pre-approved for a home loan in Lewisville?</summary> <p style="padding:0 15px 12px;color:#4a5568;line-height:1.6;margin:0;">Lewisville homebuyers can get pre-approved in about 15 minutes online — no hard credit pull for the initial consultation. Pre-approval shows sellers you're a serious buyer and can help you close in as little as 21 days. You'll know exactly which loan programs fit your situation, whether that's conventional, FHA, VA, or jumbo financing in Denton County. Start your free pre-approval today to shop Lewisville neighborhoods with confidence.</p> </details> </section> <section> <h2 style="color:#2d3748;margin-top:30px;font-size:1.5rem;">Lewisville Housing Market Overview</h2> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">The Lewisville, TX real estate market offers diverse opportunities for homebuyers in Denton County.</p> <ul style="list-style-type:disc;padding-left:20px;color:#4a5568;"> <li><strong>Median Home Price in Lewisville:</strong> $395,000</li> <li><strong>Average Days on Market:</strong> 55 days</li> <li><strong>County:</strong> Denton County, Texas</li> </ul> </section> <section> <h2 style="color:#2d3748;margin-top:30px;font-size:1.5rem;">Lewisville Neighborhoods by Price Range</h2> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">Explore Lewisville neighborhoods organized by home price to find the perfect fit for your budget.</p> <div style="background:#f8fafc;padding:15px;border-radius:8px;margin:10px 0;border:1px solid #e2e8f0;"> <h3 style="color:#4a5568;margin-top:20px;">Affordable Entry Homes ($300,000 - $385,000)</h3> <ul style="list-style-type:disc;padding-left:20px;color:#4a5568;"> <li><strong>Old Town Lewisville</strong> - Homes from $300,000 to $380,000</li> <li><strong>East Lewisville</strong> - Homes from $300,000 to $400,000</li> </ul> </div> <div style="background:#f8fafc;padding:15px;border-radius:8px;margin:10px 0;border:1px solid #e2e8f0;"> <h3 style="color:#4a5568;margin-top:20px;">Mid-Market Homes ($385,000 - $500,000)</h3> <ul style="list-style-type:disc;padding-left:20px;color:#4a5568;"> <li><strong>Castle Hills</strong> - Homes from $400,000 to $550,000</li> <li><strong>Highland Village Border</strong> - Homes from $450,000 to $550,000</li> </ul> </div> <div style="background:#f8fafc;padding:15px;border-radius:8px;margin:10px 0;border:1px solid #e2e8f0;"> <h3 style="color:#4a5568;margin-top:20px;">Premium Homes ($500,000 - $650,000)</h3> <ul style="list-style-type:disc;padding-left:20px;color:#4a5568;"> <li><strong>Lake Lewisville Waterfront</strong> - Homes from $500,000 to $700,000</li> </ul> </div> </section> <section> <h2 style="color:#2d3748;margin-top:30px;font-size:1.5rem;">School Districts in Lewisville</h2> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">Lewisville is served by highly-rated school districts, making it ideal for families.</p> <ul style="list-style-type:disc;padding-left:20px;color:#4a5568;"> <li><strong>Lewisville ISD</strong> - A</li> </ul> </section> <section> <h2 style="color:#2d3748;margin-top:30px;font-size:1.5rem;">Major Employers Near Lewisville</h2> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">Convenient commutes to major employment centers make Lewisville an attractive location for professionals.</p> <ul style="list-style-type:disc;padding-left:20px;color:#4a5568;"> <li>Vista Ridge Mall area</li> <li>DFW International Airport</li> <li>Valley View business area</li> <li>Carrollton corridor</li> <li>Local retail and services</li> </ul> </section> <section> <h2 style="color:#2d3748;margin-top:30px;font-size:1.5rem;">Why Buy a Home in Lewisville?</h2> <ul style="list-style-type:disc;padding-left:20px;color:#4a5568;"> <li><strong>Lewisville ISD Value:</strong> Same Grade A schools as Flower Mound at $180K-$200K less cost.</li> <li><strong>Lake Access:</strong> Lake Lewisville frontage with boating, fishing, and waterfront recreation.</li> <li><strong>Smart Value:</strong> $385K median provides excellent schools at accessible pricing.</li> <li><strong>Highway Access:</strong> I-35E and 121 provide easy commutes to DFW employment centers.</li> </ul> </section> <section> <h2 style="color:#2d3748;margin-top:30px;font-size:1.5rem;">Mortgage Options for Lewisville Homebuyers</h2> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">Find the right financing for your Lewisville home purchase in Denton County with these mortgage programs:</p> <ul style="list-style-type:disc;padding-left:20px;color:#4a5568;"> <li><strong>FHA Loans</strong>: Government-backed loans with 3.5% down and flexible credit requirements starting at 550 FICO. Most Lewisville homes fall within the $563,500 DFW FHA loan limit.</li> <li><strong>VA Loans</strong>: Zero down payment for eligible veterans, active-duty military, and surviving spouses. No PMI and competitive rates — no loan limit with full entitlement.</li> <li><strong>Conventional Loans</strong>: Fixed-rate and adjustable-rate mortgages with as little as 3% down. Lewisville homes up to $832,750 qualify for conforming loan rates.</li> <li><strong>Jumbo Loans</strong>: Financing for properties exceeding the $832,750 conforming limit. Competitive rates for qualified borrowers with 700+ credit scores and 10-20% down.</li> <li><strong>DSCR Loans</strong>: Investment property financing qualifying on rental income, not personal income. 20-25% down payment.</li> <li><strong>Construction Loans</strong>: Interim construction financing for custom home builds with two-time close and construction-to-permanent takeout options.</li> <li><strong>Texas VLB Loans</strong>: Texas Veterans Land Board home loans for veterans and active-duty military with below-market rates.</li> <li><strong>Non-QM Loans</strong>: Bank statement, asset-based, and alternative income documentation for self-employed borrowers.</li> <li><strong>Home Refinancing</strong>: Rate-and-term, cash-out, and streamline refinance options for current Lewisville homeowners.</li> </ul> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">The 2026 conforming loan limit for Denton County is $832,750. VA-eligible buyers have no loan limit with full entitlement. <a style="color:#2563eb;" href="https://www.patrickglaros.com/calculators/mortgage-calculator">Use our mortgage calculator</a> to see current rates and payment estimates for Lewisville.</p> </section> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">Try our interactive Lewisville calculators: <a style="color:#2563eb;" href="https://www.patrickglaros.com/calculators/mortgage-calculator">Payment Calculator</a>, <a style="color:#2563eb;" href="https://www.patrickglaros.com/calculators/affordability-calculator">Affordability Calculator</a>, and <a style="color:#2563eb;" href="https://www.patrickglaros.com/lewisville-home-loans#calculators">Buydown Calculator</a> — all pre-loaded with Denton County tax rates and live PMMS interest rates.</p> <section> <h2 style="color:#2d3748;margin-top:30px;font-size:1.5rem;">What You Need to Afford a Lewisville Home</h2> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">Based on Lewisville's median home price of $395,000:</p> <ul style="list-style-type:disc;padding-left:20px;color:#4a5568;"> <li><strong>3% down (Conventional first-time):</strong> $11,850 down payment</li> <li><strong>3.5% down (FHA):</strong> $13,825 down payment</li> <li><strong>5% down (Conventional):</strong> $19,750 down payment</li> <li><strong>10% down:</strong> $39,500 down payment</li> <li><strong>20% down (no PMI):</strong> $79,000 down payment</li> <li><strong>VA Loan:</strong> $0 down payment for eligible veterans</li> <li><strong>Estimated monthly P&I (20% down, 30yr):</strong> ~$1,997/month (plus taxes, insurance, HOA)</li> </ul> </section> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">Seller-paid temporary buydowns (2-1 or 3-2-1) can reduce your Lewisville mortgage payment by $400–$900/month in the early years. <a style="color:#2563eb;" href="https://www.patrickglaros.com/lewisville-home-loans#calculators">Try our Buydown Calculator</a> to compare options with your specific home price.</p> <section> <h2 style="color:#2d3748;margin-top:30px;font-size:1.5rem;">Denton County Property Tax Data</h2> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">Our Lewisville calculators use verified property tax rates from the Denton County Appraisal District — not generic estimates or national averages. Texas has no state income tax, making accurate property tax calculations essential for budgeting.</p> <ul style="list-style-type:disc;padding-left:20px;color:#4a5568;"> <li><strong>Data Source:</strong> Denton County Appraisal District official rates</li> <li><strong>Coverage:</strong> Tax rates broken down by city, school district, and special districts</li> <li><strong>MUD/PID:</strong> Municipal Utility Districts and Public Improvement Districts included where applicable</li> <li><strong>Exemptions:</strong> Homestead exemption ($100,000 school district exemption), over-65, disability, and veteran exemptions supported</li> <li><strong>Updates:</strong> Rates verified and updated annually from County Appraisal District sources</li> </ul> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">Property taxes in Denton County vary significantly by school district and location. Our calculators let you select your specific school district for accurate monthly payment estimates in Lewisville.</p> </section> <section> <h2 style="color:#2d3748;margin-top:30px;font-size:1.5rem;">Contact Your Lewisville Mortgage Expert</h2> <address style="font-style:normal;background:#f7fafc;padding:20px;border-radius:8px;margin-top:20px;"> <p style="color:#4a5568;line-height:1.6;margin:10px 0;"><strong>Patrick Glaros</strong></p> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">Producing Branch Manager</p> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">Directions Home Loan</p> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">NMLS #308804</p> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">Phone: <a style="color:#2563eb;" href="tel:(469) 399-2411">(469) 399-2411</a></p> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">Email: <a style="color:#2563eb;" href="mailto:pglaros@directionshomeloan.com">pglaros@directionshomeloan.com</a></p> <p style="color:#4a5568;line-height:1.6;margin:10px 0;"><a style="color:#2563eb;" href="https://www.google.com/maps?cid=18250188646545171064" rel="noopener">View on Google Maps</a> · 5.0 star rating on Google Reviews</p> </address> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">FHA, VA, and conventional loans available for Lewisville — find the best fit for your budget. Free pre-approval in 15 minutes.</p> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">Ready to buy in Lewisville? Contact Patrick Glaros for personalized mortgage guidance and competitive rates.</p> </section> <section> <h2 style="color:#2d3748;margin-top:30px;font-size:1.5rem;">More Denton County Cities</h2> <ul style="list-style-type:disc;padding-left:20px;color:#4a5568;"> <li><a style="color:#2563eb;" href="https://www.patrickglaros.com/denton-home-loans">Denton Home Loans</a></li> <li><a style="color:#2563eb;" href="https://www.patrickglaros.com/flower-mound-home-loans">Flower Mound Home Loans</a></li> <li><a style="color:#2563eb;" href="https://www.patrickglaros.com/the-colony-home-loans">The Colony Home Loans</a></li> <li><a style="color:#2563eb;" href="https://www.patrickglaros.com/lake-dallas-home-loans">Lake Dallas Home Loans</a></li> <li><a style="color:#2563eb;" href="https://www.patrickglaros.com/hickory-creek-home-loans">Hickory Creek Home Loans</a></li> <li><a style="color:#2563eb;" href="https://www.patrickglaros.com/shady-shores-home-loans">Shady Shores Home Loans</a></li> </ul> </section> <section> <h2 style="color:#2d3748;margin-top:30px;font-size:1.5rem;">Explore More</h2> <ul style="list-style-type:disc;padding-left:20px;color:#4a5568;"> <li><a style="color:#2563eb;" href="https://www.patrickglaros.com/cities">Browse all DFW cities →</a></li> <li><a style="color:#2563eb;" href="https://www.patrickglaros.com/neighborhoods">Explore DFW neighborhoods →</a></li> <li><a style="color:#2563eb;" href="https://www.patrickglaros.com/calculators/mortgage-calculator">Mortgage Calculator</a></li> <li><a style="color:#2563eb;" href="https://www.patrickglaros.com/calculators/affordability-calculator">Affordability Calculator</a></li> <li><a style="color:#2563eb;" href="https://www.patrickglaros.com/calculators/refinance-calculator">Refinance Calculator</a></li> <li><a style="color:#2563eb;" href="https://www.patrickglaros.com/dscr-calculator">DSCR Calculator</a></li> </ul> </section> </article> </main> </div>