I'm Bond Peter Njoku (NMLS #2670329), your Fort Worth DPA specialist. Fort Worth has its own city-level assistance program — the Fort Worth HAP provides up to $25,000 forgivable — and veterans near NAS JRB Fort Worth can combine VA's $0-down benefit with additional first-time buyer programs for maximum savings.
| Program | Amount | Repayment | FTHB? | Notes |
|---|---|---|---|---|
| Fort Worth HAP | Up to $25,000 | Forgivable over 5 yrs | Yes | Fort Worth city limits only |
| TSAHC Home Sweet Texas | 3–5% of loan | Grant — none | No | Tarrant County income limits |
| TDHCA My First Texas Home | Up to 5% | Deferred, forgiven yr 3 | Yes (or veteran) | Statewide |
| VA Loan | $0 down, no PMI | None | No | Veterans & active duty near NAS JRB |
| FHA + Fort Worth HAP | 3.5% + up to $25K | HAP: forgivable 5 yrs | Yes (HAP) | Most common combo I use |
Tarrant County 2026 income limits: approximately $97,200. Fort Worth HAP requires purchase within Fort Worth city limits.
The Fort Worth HAP is a forgivable loan — not a grant — meaning it's recorded as a second lien on your property but forgiven over 5 years at 20% per year. If you sell or refinance before year 5, you repay the prorated remaining balance. If you stay, you owe nothing.
HAP covers down payment and closing costs on homes within Fort Worth city limits. Combined with FHA (3.5% down), a Fort Worth buyer earning under $97,200 can enter a $220,000–$280,000 home with minimal out-of-pocket expenses.
| Purchase price | $250,000 |
|---|---|
| FHA down (3.5%) | $8,750 |
| Estimated closing costs | ~$6,500 |
| Fort Worth HAP | Up to $25,000 |
| Buyer out of pocket | $0–$500 (HAP covers most) |
Fort Worth has one of the largest veteran and active-duty populations in DFW, largely due to Naval Air Station Joint Reserve Base Fort Worth. For eligible veterans, the combination of programs is powerful:
Fort Worth HAP provides up to $25,000 forgivable over 5 years for first-time buyers within Fort Worth city limits. Income limit ~$97,200. Pairs with FHA, VA, conventional. I'm Bond Peter Njoku (NMLS #2670329). Call 469-545-7180.
VA loan already provides $0 down — veterans can add TDHCA (up to 5%) and Fort Worth HAP (up to $25K) on top. NAS JRB veterans, call me. I'm Bond Peter Njoku (NMLS #2670329). Call 469-545-7180.
~$97,200 for Tarrant County (2026) for Fort Worth HAP, TSAHC, and TDHCA. I'm Bond Peter Njoku (NMLS #2670329). Call 469-545-7180 to verify your income.
I'm Bond Peter Njoku (NMLS #2670329), a licensed mortgage loan officer specializing in Fort Worth DPA stacking. I serve veterans near NAS JRB and civilian first-time buyers alike. Call 469-545-7180.
I'm Bond Peter Njoku (NMLS #2670329). Fort Worth HAP + TSAHC + VA — I'll stack every program available to you. Call, text, or WhatsApp me at 469-545-7180.
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