Physician loans in Dallas
Program and regulatory figures verified October 5, 2026. Details change; confirm your scenario with us.
Dallas is where Texas comes closest to a competitive market, and it still gives a physician buyer more time than anywhere in California.
Dallas in numbers
| Dallas | |
|---|---|
| Typical home value (2026-08-31) | $360,437 |
| Mean days to pending | 61 |
| Room under the $832,750 limit | $472,313 |
At 61 days Dallas is the quickest of the four major Texas metros — Austin and San Antonio sit at 82, Houston at 74. It is still slower than the national 53-day benchmark, and far slower than San Jose's 37.
UT Southwestern
UT Southwestern is the principal academic medical centre in Dallas and one of the largest in Texas, alongside a substantial network of hospital systems across the Metroplex.
As elsewhere on this site, we publish no institutional residency count, because the systems do not publish a headline figure in a form we could read. The state figures carry the page: 931 ACGME-accredited programmes and 11,743 active residents, at 2.98 programmes per 100,000 against 4.01 nationally.
What a Dallas physician is actually solving for
Not loan size. A typical Dallas home at $360,437 leaves $472,313 of headroom under the conforming limit, so conventional financing reaches comfortably.
The two things it handles badly are the deposit and the debt:
- Deposit. Up to 100% financing with no monthly PMI, against a conventional deposit plus mortgage insurance above 80% LTV.
- Debt. A documented income-driven payment against 1% of the balance under Fannie Mae B3-6-05 — $3,000 a month on $300,000.
For a new attending in Dallas the second one is usually decisive. Where each route wins.
The Metroplex spread
Dallas-Fort Worth covers a wide area with very different price points inside it, and the $832,750 conforming limit applies throughout. A physician buying near the medical district and one buying in an outer suburb are working with the same ceiling and very different prices — which means the limit is almost never the binding constraint anywhere in the Metroplex.
Loan repayment
Texas runs physician and mental health loan repayment through THECB, and the July 2026 State Auditor report found the Board wrongly denied applicants who may have qualified for prorated awards. If you applied part-time from a Dallas post, read it. The audit.
Frequently asked questions
What is a typical Dallas home worth?
$360,437 as of 2026-08-31, which leaves $472,313 of room under the 2026 conforming loan limit of $832,750.How fast does the Dallas housing market move?
61 mean days to pending as of 2026-08-31. That makes it the fastest of the four major Texas metros, though still slower than the national benchmark of 53 days.Is a physician loan worth it in Dallas?
Not for loan size, since a typical Dallas home sits well under the conforming limit. It earns its place on the down payment, offering up to 100% financing with no monthly PMI, and on counting a documented income-driven student loan payment rather than 1% of the balance.Mike Certo · NMLS #260555 · Cornerstone First Mortgage NMLS #173855 · Equal Housing Lender. Educational content, not a loan commitment and not legal, tax, or licensure advice. Physician-loan program terms, eligible degrees, and overlays are set by the lender and change; Texas loan-repayment program terms and award cycles change too. Confirm your scenario with us and your program administrator. All loans are subject to borrower and property qualification, including credit and income review.