Homebuyer Assistance Program (HAP)

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Let us help you make your homeownership dream come true with closing cost and down payment assistance.

The city’s Homebuyer Assistance Program (HAP) can provide up to $20,000 in mortgage assistance for income-eligible first-time homebuyers within the Fort Worth city limits. Maximum sales price for an existing unit is $239,000 and new construction is $252,000 as of June 2022.

The amount of assistance will be dependent on sales price and loan amount from the lender. A financial subsidy is available in the form of closing costs and down payment assistance. Three percent of the loan amount may be used for closing costs and the remainder for down payment or all of the assistance may be used for down payment.

Getting Started With Your HAP Application

Let us help you make your homeownership dream come true - follow these steps to get started.

  1. Get pre-qualified from one of the city approved lenders to determine your loan amount (see list of approved lenders below)
  2. Attend a homeownership training and counseling program

    HUD Certified Housing Counseling Agencies:

    • Housing Opportunities of Fort Worth
      1065 W. Magnolia Ave, Suite B
      Fort Worth, TX 76104
    • Housing Channel
      2900 Airport Freeway
      Fort Worth, TX 76111
  3. Contact your real estate agent and begin reviewing home listings that match your criteria and price range.
  4. Once you found your perfect home, work with your realtor to make an offer.
  5. 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.
  6. The lender will assist you with the HAP application and submit to the City of Fort Worth for processing and approval for closing costs and down payment assistance.
  7. Closing & funding. Move in to your dream home.

HAP Guidelines to Participate in the Program

Guidelines to participate in the program:

  • The property must be located in Fort Worth city limits.
  • Applicant(s) must be first-time homebuyer(s) or must have not owned a home within the last three years. Displaced homeowners may be eligible.
  • HOME regulation 24 CFR Section 92.254 (a) (2) (iii) require that the sales price not exceed 95% of the area median sales price. For existing homes the sales price must not exceed $239,000 and for new construction the sales price must not exceed $252,000 as of June 1, 2022.
  • 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 two percent of the of the purchase price, whichever is less, is required. May include out of pocket expenses such as appraisal, earnest money and credit report.
  • The homebuyer agrees to live in the home as their principal residence for five years to receive up to $14,999 in assistance or ten years to receive over $14,999 in assistance.
  • The home must pass a Minimum Acceptable Standards Inspection and City of Fort Worth Environmental Review
  • Two months of reserves will be verified.
  • Applicant(s) must be a citizen of the United States or legal permanent resident.
  • Applicant(s) must attend eight hours of homeownership training provided by a HUD-certified housing counseling agency.
  • The yearly income for all adults living in the home must be at or below 80% Area Median Income (AMI) based on family size.
  • Reserves in the amount of 2 months (2 monthly mortgage payments.) These cannot be gift funds.
  • 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.  

Area Median Income (AMI) Limits

  • Area Median Income (AMI)
  • Income limits will be updated by HUD in June.  Effective June 15, 2022
Household Size Maximum Annual Income
1 $50,650
2 $57,850
3 $65,100
4 $72,300
5 $78,100
6 $83,900
7 $89,700






2023 Certified Mortgage Lender List

This list is in alphabetical order of current Certified Mortgage Lenders who will work with you to discuss your home buying goals, review your financial picture and determine your eligibility for a mortgage loan. Updated: March 24, 2023

Updated Lenders - February 2023(PDF, 61KB)


AmCap Mortgage

4144 N. Central Expressway
Suite 903
Dallas, TX 75204
Phone: 817-655-3644
Lender: Edward Stubbs
Email: estubbs@goldfinancial.com



Bank of America, N.A.

13355 Noel Rd., 
Dallas, TX 75240
Phone: 972-440-5268
Lender: Lisa Gratz, NMLS #536196
Email: lisa.gratz@bofa.com

Bank of America, N.A.

5295 S. Cooper
Arlington, TX 76017
Phone: 682-717-9037
Lender: Heidi Surley, NMLS #350331
Email: heidi.surley@bofa.com

Bank of America, N.A.

3100 S. University Dr.
Fort Worth, TX 76109
Phone: 817-730-5817
Lender: Jessica Jones NMLS # 1340058
Email: jessicajones@bofa.com

Bank of America, N.A.

5701 Colleyville Blvd.
Colleyville, TX 76034
Phone: 817-662-2954

Lender: Amanda Elsaesser NMLS #2135907
Email: amanda.elsaesser@bofa.com

Bank of America, N.A.

908 S. Crowley Rd.
Crowley, TX 76036
Phone: 817-343-6698

Lender: Vanette Wesley NMLS # 1260091
Email: vanette.wesley@bofa.com

Bank of America, N.A.

4751 S. Hulen Street
Fort Worth, TX 76132
Phone: 817-201-2727

Lender: CJ Johnson NMLS # 1044738
Email: cornelius.johnson@bofa.com

Bank of America, N.A.

353 Trophy Lake Dr.
Trophy Club, TX 76262
Phone: 469-559-2459

Lender: Conway Hwang NMLS # 621533
Email: conway.hwang@bofa.com

Bank of America, N.A.

3660 N. Belt Line Rd.
Irving, TX 75062
Phone: 469-928-0471

Lender: Cameo Robinson NMLS # 1466103
Email:  cameo.robinson@bofa.com


Cardinal Financial

8500 Precinct Line Rd.
Colleyville, TX 76034
Phone: 817-223-1193
Lender: Ruben De La Torre
Email: ruben.delatorre@cardinalfinancial.com


Chase Bank

4600 S. Hulen Dr.
Fort Worth, TX 76132
Phone: 817-412-9329
Lender: Jane Mathis, NMLS # 1004858

Chase Bank

6040 Ramey Ave.
Fort Worth, TX 76105
Phone: 682-329-9859
Lender: Ty Mitchell NMLS # 554999
Email: ty.mitchell@chase.com

Colonial Savings, F.A.

2570 W. Freeway
Fort Worth, TX 76102
Phone: 817-291-6643
Lender: Armando Velazquez NMLS #621466
Email:  Armando.Velazquez@gocolonial.com

Colonial Savings, F.A.

2570 W. Freeway
Fort Worth, TX 76102
Phone: 817-296-7284
Lender: Magaly Sanchez NMLS # 621130
Email:  magaly.sanchez@gocolonial.com


Efinity Mortgage

121 Newton Dr., Suite B
Burleson, TX 76028

Phone: 817-896-4087

Lender: Sylvia Aguirre #512536

Email: sylvia.aguirre@efinitymortgage.com



Fairway Independent Mortgage

375 Cedar Sage Dr., Suite 250

Garland, TX 75040

Phone: 972-841-9147

Lender: Kristy Osborn NMLS # 999896

Email: kristy.osborn@fairwaymc.com

Fairway Independent Mortgage

240 E. Renfro, Suite 104

Burleson, TX 76028

Phone: 469-252-6685

Lender: Jill Murray NMLS # 982854

Email: jilla@fairwaymc.com

Fairway Independent Mortgage

240 E. Renfro, Suite 104

Burleson, TX 76028

Phone: 254-366-8186

Lender: Meredith Driskill NMLS # 1486571

Email: meredith.driskill@fairwaymc.com

Fairway Independent Mortgage

8300 Douglas Ave., Suite 800

Dallas, TX 75040

Phone: 469-939-5626

Lender: Brian D. Wilson NMLS # 195915

Email: brianw@fairwaymc.com


Fairway Independent Mortgage

240 E. Renfro, Suite 104

Burleson, TX 76028


Lender: Hayden Allen NMLS # 2152916

Email: hayden.allen@fairwaymc.com


Fairway Independent Mortgage

6112 McCart Ave. Suite 106

Fort Worth, TX76133

Phone: 817-455-4825

Lender: Jaime Fernandez NMLS #413885

Email: jaime.fernandez@fairwaymc.com


Guaranteed Rate, Inc

8668 John Hickman Pkwy
Building 10, Suites 1001
Frisco, TX 76034
Phone: 817-228-1842
Lender: Patti Derden NMLS # 265926
Email: patti.derden@rate.com



Loan Simple, Inc

5851 Legacy Circle
Suite 600
Plano, TX 76024
Phone: 817-688-5990
Lender: Tracey Robinson NMLS #276853
Email: trobinson@loansimple.com



Neighborhood Assistance Corporation of America

5787 Hampton Rd.
Dallas, TX 75232
Phone: 972-283-1171 - ext 1553
Lender: Traci Brumfield 
Email: traci.brumfield@naca.com



Prosperity Mtg

5500 E Loop 820 S, #101
Fort Worth, TX 76119
Phone: 817-825-1364
Lender: Lisa Melton, NMLS # 315147
Email: lisa_melton@pfmgrp.com

Prosperity Bank

4601 W. Freeway, Suite 200
Fort Worth, TX 76107
Lender: Regina Puente, NMLS #235270
Email:  regina.puente@prosperitybankusa.com  


Service First Mortgage

2400 Highway 287 N, Ste 100

Mansfield, TX 76063

Phone: 817-721-6389

Lender: Ruth Ann Dunham, NMLS # 219157

Email: rdunham@servicefirstmtg.com

SWBC Mortgage Corp.

1281 N. Green Oaks Blvd., Suite 119

Arlington, TX 76013

Phone: 817-635-3519

Lender: Mary Dietz, NMLS #219164

E-Mail: mdietz@swbc.com

SWBC Mortgage Corp.

1281 N. Green Oaks Blvd., Suite 119

Arlington, TX 76013

Phone: 817-635-3535

Lender: Aaron Spaight, NMLS #1391936

E-Mail: aspaight@swbc.com



Texas Bank Mortgage

4521 S Hulen St, Ste 200
Fort Worth, TX 76109
Phone: 817-614-3512
Lender: Iveth Guzman NMLS #1181260
E-Mail: iguzman@txbmc.com

Texas Bank Mortgage

4521 S Hulen St, Ste 200
Fort Worth, TX 76109
Phone: 817-386-8085
Lender: Maria Salas NMLS #450175
E-Mail: msalas@txbmc.com

Town Square Mortgage Lending

17300 Parkway, Suite 1030
Dallas, TX 75248
Lender: Chris Cook  NMLS #169598
E-Mail: ccook@tsmlending.com