Let us help you make your homeownership dream come true with closing cost and down payment assistance.
Eligible first-time homebuyers can now receive up to $25,000 to help with down payment and closing costs through the City of Fort Worth’s Homebuyer Assistance Program.
First-time homebuyers who qualify based on HUD income limits per household size may receive up to $25,000 in assistance for down payment and closing costs. The amount of assistance will depend on the sales price and the loan amount provided by the lender. A financial subsidy is available in the form of closing costs and down payment assistance for homes purchased within the Fort Worth city limits. There are two ways these funds may be utilized:
- 3% of the loan amount for closing costs, with the remainder applied to the down payment.
- Or, the total funds can be used for the down payment only, with no closing-cost assistance
Updated: March 2025
Getting Started With Your HAP Application
Let us help you make your homeownership dream come true - follow these steps to get started.
- Get pre-qualified from one of the city's approved lenders to determine your loan amount (see list of approved lenders below)
- Attend a homeownership training and counseling program
Applicants are required to attend a homeownership training and counseling session provided by one of these HUD Approved Housing Counseling Agencies:
HUD Certified Housing Counseling Agencies'
- Housing Opportunities of Fort Worth
1065 W. Magnolia, Suite B
Fort Worth, TX 76104
817-923-9192
housingoppsfw.com
- Housing Channel
851 Grainger St.
Fort Worth, TX 76104
817-924-5091
housingchannel.org
- Neighborhood Assistance Corporation of America (NACA), Dallas, TX
5787 South Hampton Road.
Ste 120
Dallas, TX 75232-2289
972-283-1171
naca.com
- Services of Hope Entities, Inc.
1137 Conveyor Lane Ste 107
Dallas, TX 75247
214-707-2396 Cell / 214-276-0235 Office
servicesofhope.org
- Contact your real estate agent and begin reviewing home listings that match your criteria and price range.
- Once you have found your perfect home, work with your realtor to make an offer.
- The City of Fort Worth HAP can assist participants if the sale price falls within a specific range – existing homes or new construction. Visit our website for the sale price maximum limits.
- Your lender will assist you with the HAP application and submit it to the City of Fort Worth for processing and approval of closing costs and down payment assistance.
- Closing & funding. Move into your dream home.
HAP Guidelines to Participate in the Program
Guidelines to participate in the program:
- The property must be located within the Fort Worth city limits.
- Applicant(s) must be first-time homebuyer(s) or must not have owned a home within the last three years. Displaced homeowners may be eligible.
- HOME regulation 24 CFR Section 92.254(a)(2)(iii) requires that the sales price not exceed 95% of the area median sales price.
- 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 2% of the purchase price, whichever is less, is required.
- You must pay costs associated with the home purchase, such as earnest money, option fee, home inspection, appraisal, and any out-of-pocket expenses required. These are costs that you are responsible for when purchasing your home.
- Reserves equal to two (2) months of mortgage payments are required. These reserves cannot consist of gift funds.
- The homebuyer agrees to live in the home as their principal residence for ten (10) years to receive up to $25,000 in assistance, or for five (5) years to receive up to $14,999 in assistance.
- The home must pass a Minimum Acceptable Standards Inspection and a City of Fort Worth Environmental Review.
Area Median Income (AMI) Limits
- Area Median Income (AMI)
- Income limits will be updated by HUD in June. Effective June 10, 2024
| Household Size |
Maximum Annual Income |
| 1 |
$57,050 |
| 2 |
$65,200 |
| 3 |
$73,350 |
| 4 |
$81,500 |
| 5 |
$88,050 |
| 6 |
$94,550 |
| 7 |
$101,100 |
|
8
|
$107,600 |
2025 Certified Mortgage Lender List
This list is in alphabetical order of current certified mortgage lenders who will work with you to discuss your homebuying goals, review your financial picture and determine your eligibility for a mortgage loan.
Lenders(XLSX, 17KB)