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.