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  <xs:element id="dhi_DebtInstrumentRepurchaseAccruedAndUnpaidInterest" abstract="false" name="DebtInstrumentRepurchaseAccruedAndUnpaidInterest" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="dhi_LoansSoldToFNMAFHLMCOrSecuritiesBackedByGNMAMember" abstract="true" name="LoansSoldToFNMAFHLMCOrSecuritiesBackedByGNMAMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="dhi_MortgageLoansMember" abstract="true" name="MortgageLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="dhi_DeferredTaxAssetsNetOfDeferredTaxLiabilities" abstract="false" name="DeferredTaxAssetsNetOfDeferredTaxLiabilities" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="dhi_TaxBenefitEnergyEfficientHomeCredit" abstract="false" name="TaxBenefitEnergyEfficientHomeCredit" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_AtTheMarketEquityOfferingProgramCommonStockAvailableForIssuance" abstract="false" name="AtTheMarketEquityOfferingProgramCommonStockAvailableForIssuance" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="dhi_FirstQuarterTwoThousandTwentyFiveTimeBasedRSUGrantsMember" abstract="true" name="FirstQuarterTwoThousandTwentyFiveTimeBasedRSUGrantsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="dhi_RetirementEligibleMember" abstract="true" name="RetirementEligibleMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="dhi_DepositsLineItems" abstract="true" name="DepositsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
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  <xs:element id="dhi_ContractAssetInsuranceRenewals" abstract="false" name="ContractAssetInsuranceRenewals" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
</xs:schema>
