Exhibit 31.2

CERTIFICATION OF CHIEF FINANCIAL OFFICER PURSUANT TO SECTION 302(a) OF THE
SARBANES-OXLEY ACT OF 2002

I, Samuel R. Fuller, certify that:


1.   I have reviewed  this quarterly report  on Form  10-Q of D.R. Horton, Inc.;


2.   Based on my knowledge, this report does not contain any untrue statement of
     a material fact or omit to  state  a  material fact  necessary to  make the
     statements made, in light of the circumstances under which such  statements
     were  made, not  misleading  with  respect  to the  period covered by  this
     report;


3.   Based  on  my  knowledge, the  financial  statements, and  other  financial
     information  included  in  this  report, fairly  present  in  all  material
     respects  the financial condition, results of  operations and cash flows of
     the registrant as of, and for, the periods presented in this report;


4.   The  registrant's  other  certifying officer(s) and  I are  responsible for
     establishing and maintaining disclosure controls and procedures (as defined
     in Exchange Act Rules 13a-15(e) and 15d-15(e)) for the registrant and have:


     a)   Designed  such  disclosure  controls  and procedures, or  caused  such
          disclosures  controls  and   procedures  to  be  designed   under  our
          supervision, to  ensure that  material  information  relating  to  the
          registrant, including its consolidated subsidiaries, is made known  to
          us by others within those  entities, particularly during the period in
          which this report is being prepared;


     b)  Evaluated the effectiveness of the registrant's disclosure controls and
         procedures  and  presented  in  this report  our conclusions  about the
         effectiveness of the disclosure controls  and procedures, as of the end
         of  the period  covered  by this  report based  on such evaluation; and


     c)  Disclosed  in  this report  any  change  in  the registrant's  internal
         control over financial reporting that  occurred during the registrant's
         most recent fiscal  quarter (the registrant's fourth fiscal  quarter in
         the  case of  an  annual report) that  has  materially  affected, or is
         reasonably  likely to  materially  effect,  the  registrant's  internal
         control over financial reporting; and


5.   The registrant's other certifying officer(s) and I have disclosed, based on
     our most recent evaluation of internal control over financial reporting, to
     the registrant's auditors and the audit  committee of registrant's board of
     directors (or persons performing the equivalent functions):


     a)   All significant deficiencies and material weaknesses in the  design or
          operation  of  internal  control over  financial  reporting which  are
          likely  to  adversely  affect  the  registrant's  ability  to  record,
          process, summarize and report financial information; and









     b)   Any fraud, whether or not material, that involves management  or other
          employees who  have a significant  role  in the registrant's  internal
          controls over financial reporting.



     Date: August 14, 2003                   /s/ Samuel R. Fuller
                                        -----------------------------------
                                              By: Samuel R. Fuller
                                        Executive Vice President, Treasurer
                                           and Chief Financial Officer