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Fort Worth TX Down Payment Assistance

Helping First-Time Buyers Get Into a Home with Less Out of Pocket

Buying your first home in Fort Worth just got a whole lot easier. The Homebuyer Assistance Program (HAP) is designed to help first-time buyers with the biggest hurdle: affording the upfront costs of homeownership.

This program offers up to $25,000 in forgivable assistance to cover your down payment and closing costs, making it possible for many families to buy a home sooner than they thought.

Who Qualifies?

You may be eligible if:

  • You’re a first-time homebuyer (or haven’t owned a home in 3 or more years)
  • You’re buying within Fort Worth city limits
  • Your household income is below 80% of the area median income (based on family size)
  • You can contribute at least $1,000 toward the transaction
  • You complete a homebuyer education course through a HUD-approved agency

How It Works

  • Get prequalified with an approved lender (we can help with this)
  • Find a home within the purchase price limits (currently $309,000 for existing homes, $329,000 for new builds)
  • Submit the application with required documents
  • Upon approval, you receive up to $25,000 in assistance:
  • Covers down payment and or up to 3% of your loan amount in closing costs
  • Funds are forgiven after 5 to 10 years (depending on amount)
  • You must live in the home as your primary residence

Why It Matters

  • Own your home sooner with less cash upfront
  • Keep more savings for emergencies, furniture, or future improvements
  • Fixed-rate 30-year loans help keep your payments stable
  • Build equity and stability instead of paying rent
  • You don’t have to wait until you save 20 percent. This program bridges the gap

Next Steps

On this page, you’ll find:

  • Sample financing breakdowns showing real-world numbers
  • A downloadable program flyer to share with friends or family
  • A link to apply
  • An easy way to get prequalified with us and learn your options

Let’s make homeownership happen with support that’s local, reliable, and made for first-time buyers.

Have questions? Reach out any time. We’re here to make mortgages human.

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Reviews

"Closing costs were covered! Excellent and professional team!"

marco villa

"Very informative and I enjoyed the fact that we were able to comfortably ask and speak on a personal level"

anyelli meza

"Great Tips, ideas and suggestions of what Buy such as New, remanufactured homes or fixer uppers also great tips to improve FICO Scores👌🏼"

ricardo ruiz jr

"Very informative and helpful about any questions we had .. really recommend him if your future purchases"

christopher figueroa

"Had a great experience getting able to talk about the different loans that are offered to 1st time home buyers. Excited to start on this fixer upper journey! Thank you Daniel!"

meilani ruiz

"(Translated by Google) Thank you very much for the information, it was very helpful. (Original) Muchas gracias por la información fue de mucho ayuda."

isabel ortega

"Daniel Jackson is awsome!!! It was a joy meeting him."

luisina hosko