Departments > Neighborhood Services

Homebuyer Assistance Program (HAP)

The city's Homebuyer Assistance Program (HAP) provides mortgage assistance for income-eligible first-time home buyers with the City of Fort Worth.

Qualifying home buyers can receive a subsidy of up to $14,999 for homes located in Fort Worth. The buyer can use the full $14,999 subsidy for mortgage assistance or use $3,000 of this amount for closing costs and/or down payment.

Eligibility

The following are program requirements:

  • The property must be located within the Fort Worth city limits.
  • You cannot have owned a home in the last three years. Displaced homemakers are also eligible.
  • The home buyer agrees to live in the home as his or her principal residence.
  • The combined family income must not exceed 80 percent of Fort Worth-area median income as established by the Department of Housing Urban Development (HUD).
  • There is no credit score requirement.
  • A city-approved lender must be selected.
  • The home buyers' minimum contribution from their own money is the lesser of $1,000 or two percent of the purchase price of the home.
  • The property must pass the Housing Quality Standard Inspection (HQS), Environmental Review and Lead Hazard Evaluation conducted by the City of Fort Worth at no cost to the home buyers.
  • All applicants must complete a homeownership training and counseling program. This requirement will be evidenced by a completion certification from a Housing and Urban Development (HUD) Certified Housing Counseling Agency only. Online classes are not accepted.
  • No minimum credit score requirement for the program, however you must be approved by a designated lender for a mortgage based on their credit underwriting criteria.

Income Limits

Person(s) 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16
30%AMI $15,800 $18,050 $20,300 $22,550 $24,400 $26,200 $28,000 $29,800 $33,980 $38,160 $42,340 $50,700 $54,880 $59,060 $63,240
40%AMI $21,080 $24,080 $27,080 $30,080 $32,520 $34,920 $37,320 $39,720 $43,900 $48,080 $52,260 $60,620 $64,800 $68,980 $73,160
50%AMI $26,350 $30,100 $33,850 $37,600 $40,650 $43,650 $46,650 $49,650 $53,830 $58,010 $62,190 $70,550 $74,730 $78,910 $83,090
60% AMI $31,620 $36,120 $40,620 $45,120 $48,780 $52,380 $55,980 $59,580 $63,760 $67,940 $72,120 $80,480 $84,660 $88,840 $93,020
70%AMI $36,890 $42,140 $47,390 $52,640 $56,910 $61,110 $65,310 $69,510 $73,690 $77,870 $82,050 $90,410 $94,590 $98,770 $102,950
80%AMI $42,150 $48,150 $54,150 $60,150 $65,000 $69,800 $74,600 $79,400 $83,580 $87,760 $91,940 $100,300 $104,480 $108,660 $112,840
100%AMI $52,700 $60,200 $67,700 $75,200 $81,300 $87,300 $93,300 $99,300 $103,480 $107,660 $111,840 $120,200 $124,380 $128,560 $132,740

To learn more call 817-392-7540.

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Contact

Physical Address
908 Monroe Street
Fort Worth, TX 76102

Administration
817-392-7540 (phone)
817-392-7328 (fax)

For further HAP questions contact:
817-392-7395 or 817-392-7547