What down payment assistance is available in Fort Worth TX?

Fort Worth buyers have access to 8+ programs. The city's HAP offers up to $25,000 as a forgivable loan. State programs include TSAHC Home Sweet Texas (5% grant), TDHCA (5% deferred), and SETH 5 Star (5% grant). Credit scores start at 620.

What is the Fort Worth HAP program?

Fort Worth Homebuyer Assistance Program provides up to $25,000 as a forgivable loan for first-time buyers purchasing within Fort Worth city limits. Requires homebuyer education. Contact Fort Worth Neighborhood Services for current income limits and funding availability.

What credit score do I need?

TSAHC and TDHCA require 620 minimum. SETH 5 Star requires 640. Fort Worth HAP requirements vary by cycle. Most buyers with 620+ have full access.

Do I have to be a first-time buyer?

Not for TSAHC Home Sweet Texas, TDHCA My Choice, or SETH 5 Star. Fort Worth HAP and TDHCA My First Texas Home require first-time status. Veterans are exempt from TDHCA first-time requirement.

What is the FHA loan limit in Fort Worth?

The FHA limit for Tarrant County is approximately $541,287. Fort Worth's median of ~$310,000 is well below this. All FHA-based DPA programs work on virtually every Fort Worth purchase.

Can I combine Fort Worth HAP with state programs?

Possibly. Fort Worth HAP may layer on top of statewide financing. TSAHC and TDHCA include their own first mortgages. Confirm stacking with your lender.

What income limits apply?

Fort Worth HAP targets lower-income buyers (contact for current limits). TDHCA extends to ~115% AMI (~$109,000 in Tarrant County). TSAHC has county-specific limits. Tarrant AMI is ~$95,000 for a family of 4.

How much DPA can I get on a $310K home?

Fort Worth HAP: $25,000. TSAHC/TDHCA: 5% = $15,500. FHA down: $10,850. Both options cover the full down payment with money left for closing costs.

Can veterans get DPA in Fort Worth?

Yes. TSAHC Heroes offers 5% for veterans, military, teachers, and first responders. TDHCA waives first-time for veterans. VA (0% down) + TSAHC (5% for closing) = potentially zero cash at closing. NAS Fort Worth JRB is nearby.

Is SETH 5 Star available in Fort Worth?

Yes. Fort Worth is in SETH's coverage area. 5% grant or forgivable, 640 credit, no first-time requirement. This gives Fort Worth buyers three competing statewide programs plus the city HAP.

Down Payment Assistance Fort Worth TX 2026 | 8+ Programs, $25K City Forgivable

Last updated: April 2026 · Program availability changes frequently

Down Payment Assistance in Fort Worth: Overview

The common assumption in DFW is that Fort Worth gets the same programs as Dallas. That is partly true and partly not. Both cities have access to the same statewide programs (TSAHC, TDHCA, SETH). But Fort Worth runs its own city HAP with different terms than Dallas DHAP. Fort Worth's program offers up to $25,000 as a forgivable loan. Dallas offers up to $60,000 as a deferred loan. Different structures, different amounts, different eligibility rules.

Fort Worth's median home price sits around $310,000. A 3.5% FHA down payment on that is $10,850. The city HAP covers $25,000, which handles the full down payment plus $14,150 toward closing costs and reserves. TSAHC covers 5% ($15,500) as a grant. At Fort Worth prices, either option covers the down payment in full. The question is which structure fits your situation better.

Fort Worth has a distinct advantage over Dallas and Austin: all three statewide programs (TSAHC, TDHCA, and SETH 5 Star) are available here. Austin excludes SETH. Some Dallas-adjacent cities exclude SETH. Fort Worth does not. Three competing statewide programs plus a city program means four separate paths to compare. More options means more leverage to find the best rate and terms.

Tarrant County AMI is approximately $95,000 for a family of four. TDHCA programs cap at roughly 115% AMI (~$109,000). The FHA limit is $541,287. Fort Worth's median is $230,000 below that ceiling. Every FHA-based program works on virtually every purchase in the city.

Quick Answer

Yes. Fort Worth has 8+ DPA programs. City HAP provides $25,000 forgivable. TSAHC provides 5% as a grant ($15,500 on $310K). Both cover the full FHA down payment.

Fort Worth has all three statewide programs (TSAHC, TDHCA, SETH) plus the city HAP. That is four competing options to compare. Credit starts at 620. Multiple programs accept repeat buyers.

NAS Fort Worth JRB families: TSAHC Heroes offers 5% grant for military. VA + TSAHC = potentially zero cash at closing.

Fort Worth Homebuyer Assistance Program (HAP)

Verify Funding City of Fort Worth

Fort Worth HAP

Amount: Up to $25,000

Type: Forgivable loan

First-time buyer: Required

Coverage: Fort Worth city limits

Contact Fort Worth Neighborhood Services at (817) 392-7540 for current income limits, forgiveness period, and funding availability. Requires homebuyer education course.

Get Your Free Fort Worth DPA Action Plan

Tell us about your situation and we will put together a personalized guide to the programs you may qualify for.

First Name *

Email *

Phone (optional)

First-time buyer?

Profession

Working with a realtor?

Want to talk to someone?

Schedule a free 15-minute consultation with a DPA specialist.

Book a Call

Texas DPA Programs DPA in Dallas DPA in Arlington TX DPA in Plano DPA in Houston DPA in San Antonio First-Time Buyer Guide: Texas Eligibility Tool

This guide is for informational purposes only and is not a commitment to lend. Program availability, terms, and eligibility requirements change frequently. Verify all details with the administering agency or an approved lender. DownPaymentScout is an independent resource. Last updated April 2026. Program availability changes frequently.

Down Payment Assistance in Fort Worth, Texas