Texas program
Texas route through City of Fort Worth Neighborhood Services Department. Use this page to confirm the core public facts first, then decide whether you need deeper comparison output and lender-call prep.
Decision-ready public facts
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Up to $25,000 toward down payment and closing costs for qualifying homebuyers.
Forgivable second mortgage
The official City page states buyers who occupy the home as a principal residence for 10 years can receive up to $25,000, while buyers seeking up to $14,999 must occupy for 5 years. City materials also state any remaining balance must be repaid if the home is sold before full forgiveness.
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Program guide
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First-time homebuyers
Up to $25,000 toward down payment and closing costs for qualifying homebuyers.
The official City page states buyers who occupy the home as a principal residence for 10 years can receive up to $25,000, while buyers seeking up to $14,999 must occupy for 5 years. City materials also state any remaining balance must be repaid if the home is sold before full forgiveness.
Get prequalified through a City-approved lender, complete homeownership training with a HUD-approved counseling agency, and have the lender submit the HAP application package to the City for an eligible home within Fort Worth city limits.
The official Fort Worth HAP page states that qualifying buyers can receive up to $25,000 and that the program uses occupancy-based forgiveness terms tied to 5-year or 10-year residence requirements.
2026-04-19
Effective date not captured.
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Amount: Up to $25,000 toward down payment and closing costs for qualifying homebuyers.
Repayment: The official City page states buyers who occupy the home as a principal residence for 10 years can receive up to $25,000, while buyers seeking up to $14,999 must occupy for 5 years. City materials also state any remaining balance must be repaid if the home is sold before full forgiveness.
First-time buyer: Required
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Paid research already tracks city and county programs, public employee or pension paths, specialty and conditional paths for Texas.
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Specific program names, source notes, current-vs-conditional judgments, and the next lender or agency questions tied to this state.
1 tracked
City and county down payment or closing-cost programs that never make it into the free statewide layer.
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Public employee or pension-backed mortgage angles that need slower source review.
3 tracked
Conditional, paused, or specialty paths worth checking before you assume the state is a dead end.
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