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  <xs:element id="dhi_CapitalizedInterestTextBlock" abstract="false" name="CapitalizedInterestTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="dhi_ForestarGroupMember" abstract="true" name="ForestarGroupMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="dhi_SeniorNoteMemberFortySixMember" abstract="true" name="SeniorNoteMemberFortySixMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="dhi_CapitalizedInterestCostsTableTextBlock" abstract="false" name="CapitalizedInterestCostsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="dhi_DepositsTable" abstract="true" name="DepositsTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="dhi_TwoThousandTwentyFourTimeBasedRSUGrantsFYTDMember" abstract="true" name="TwoThousandTwentyFourTimeBasedRSUGrantsFYTDMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="dhi_AuthorizedRepurchaseOfDebtSecurities" abstract="false" name="AuthorizedRepurchaseOfDebtSecurities" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="dhi_SeniorNoteFortyFiveMember" abstract="true" name="SeniorNoteFortyFiveMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="dhi_TimeBasedRSUMember" abstract="true" name="TimeBasedRSUMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="dhi_SeniorNoteFortySixMember" abstract="true" name="SeniorNoteFortySixMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="dhi_AtTheMarketEquityOfferingProgramCommonStockIssued" abstract="false" name="AtTheMarketEquityOfferingProgramCommonStockIssued" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="dhi_OctoberTwoThousandTwentyThreeGrantMember" abstract="true" name="OctoberTwoThousandTwentyThreeGrantMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="dhi_EquitySecuritiesRegisteredValue" abstract="false" name="EquitySecuritiesRegisteredValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="dhi_CapitalizedInterestTable" abstract="true" name="CapitalizedInterestTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="dhi_SouthCentralMember" abstract="true" name="SouthCentralMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="dhi_ForestarConsolidatedMember" abstract="true" name="ForestarConsolidatedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="dhi_SeniorNoteMemberFortyThreeMember" abstract="true" name="SeniorNoteMemberFortyThreeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="dhi_TypesOfDepositsDomain" abstract="true" name="TypesOfDepositsDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="dhi_ContractAssetInsuranceRenewals" abstract="false" name="ContractAssetInsuranceRenewals" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="dhi_MortgageLoansMember" abstract="true" name="MortgageLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="dhi_SeniorNoteFortyFourMember" abstract="true" name="SeniorNoteFortyFourMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="dhi_LoansSoldToFNMAOrSecuritiesBackedByGNMAMember" abstract="true" name="LoansSoldToFNMAOrSecuritiesBackedByGNMAMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="dhi_NumberOfHousingConstructionMarkets" abstract="false" name="NumberOfHousingConstructionMarkets" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="dhi_OtherAssetsAndAccruedExpensesAndOtherLiabilitiesTextBlock" abstract="false" name="OtherAssetsAndAccruedExpensesAndOtherLiabilitiesTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="dhi_SoutheastMember" abstract="true" name="SoutheastMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="dhi_IncreaseDecreaseInRentalProperties" abstract="false" name="IncreaseDecreaseInRentalProperties" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="dhi_EastMember" abstract="true" name="EastMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="dhi_DepositsLineItems" abstract="true" name="DepositsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="dhi_FinancialServicesMember" abstract="true" name="FinancialServicesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="dhi_TypesOfDepositsAxis" abstract="true" name="TypesOfDepositsAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="dhi_LetterofCreditMaximumBorrowingCapacityindollars" abstract="false" name="LetterofCreditMaximumBorrowingCapacityindollars" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="dhi_NorthwestMember" abstract="true" name="NorthwestMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="dhi_MovementInStandardProductWarrantyAccrualLineItems" abstract="true" name="MovementInStandardProductWarrantyAccrualLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="dhi_EliminationsAndOtherMember" abstract="true" name="EliminationsAndOtherMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="dhi_CommonStockAvailableforIssuanceValueRemaining" abstract="false" name="CommonStockAvailableforIssuanceValueRemaining" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="dhi_RSUGrantRecipients" abstract="false" name="RSUGrantRecipients" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="dhi_RetirementEligibleMember" abstract="true" name="RetirementEligibleMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
</xs:schema>
