Departments > Neighborhood Services

Homebuyer Assistance Program (HAP)

The city’s Homebuyer Assistance Program (HAP) can provide up to $20,000 in mortgage assistance for income-eligible first-time homebuyers within the Fort Worth city limits.

The amount of assistance will be dependent on sales price and loan amount from the lender. A financial subsidy is available in the form of closing costs and down payment assistance. Three percent of the loan amount may be used for closing costs and the remainder for down payment or all of the assistance may be used for down payment.

Guidelines to participate in the program:

  • The property must be located in Fort Worth city limits.
  • Applicant(s) must be first-time homebuyer(s) or must have not owned a home within the last three years. Displaced homeowners may be eligible.
  • HOME regulation 24 CFR Section 92.254 (a) (2) (iii) require that the sales price not exceed 95% of the area median sales price. As of April 1, 2020 for existing homes the sales price must not exceed $205,000 and for new construction the sales price must not exceed $238,000.
  • Government owned properties are not eligible for assistance.
  • Applicant must qualify for a first lien mortgage from a city-approved lender.
  • The homebuyer’s minimum contribution of $1,000 or two percent of the of the purchase price, whichever is less, is required. May include out of pocket expenses such as appraisal, earnest money and credit report.
  • The homebuyer agrees to live in the home as their principal residence for five years to receive up to $14,999 in assistance or ten years to receive over $14,999 in assistance.
  • The home must pass a Minimum Acceptable Standards Inspection and City of Fort Worth Environmental Review
  • Two months of reserves will be verified.
  • Applicant(s) must be a citizen of the United States or legal permanent resident.
  • Applicant(s) must attend eight hours of homeownership training provided by a HUD-approved housing counseling agency.
  • The yearly income for all adults living in the home must be at or below 80% Area Median Income (AMI) based on family size.
  • Income Limits

    Area Median Income (AMI)

    • Area Median Income (AMI)
    • Effective July 1, 2020
    Household Size Maximum Annual Income
    1 $45,650
    2 $52,200
    3 $58,700
    4 $65,200
    5 $70,450
    6 $75,650
    7 $80,850
    8 $86,100

    Certified Mortgage Lender List