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.


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

Household Size Maximum Income
1 $40,000
2 $45,700
3 $51,400
4 $57,100
5 $61,700
6 $66,250
7 $70,850
8 $75,400

Download detailed income limits

To learn more call 817-392-7540.




Physical Address
908 Monroe Street
Fort Worth, TX 76102

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

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