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Homebuyer Assistance Program (HAP)

Quick answer

Homebuyer Assistance Program (HAP) is a Texas down payment assistance program from City of Fort Worth Neighborhood Services Department. It provides Up to $25,000 as a forgivable loan. It is aimed at first-time buyers. Eligibility, income limits and funding are set by the agency, so confirm current terms on its official page.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsLast verified

Eligibility notes

Payment- and interest-free forgivable loan for down payment/closing costs; 10-year occupancy for $25,000 (5 years for $14,999); first-time or no ownership in 3 years; buyer contributes lesser of $1,000 or 2%; 8-hour HUD-certified course; City-approved lender; within Fort Worth city limits; 2026 guidelines and October 2026 application posted.

Where does Homebuyer Assistance Program (HAP) apply?

This city-level program is available to buyers in Fort Worth. Cities on our site where it applies:

DetailProgram terms
AssistanceUp to $25,000
TypeForgivable loan
Minimum creditNot published on the program page
First-time buyerRequired
Income limits80% AMI

How does Homebuyer Assistance Program (HAP) work with an FHA loan?

Texas's 2026 FHA one-unit limits start at $541,287, which supports a price of about $560,000 with 3.5% down.

Where do I confirm current terms?

On the official page: https://fortworthtexas.gov/departments/neighborhoods/services/hap. Programs can pause when funds run out, so confirm availability with a participating lender.

← All Texas down payment assistance programs

Frequently asked questions

Up to $25,000, according to City of Fort Worth Neighborhood Services Department.

It's a forgivable loan: forgiven if you meet the occupancy period, otherwise repaid.

80% AMI

Sources

Data last updated October 25, 2026.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.