I'm Bond Peter Njoku (NMLS #2670329), a DFW loan officer who helps Fort Worth buyers get into their first home with 3.5% down — often combined with the Fort Worth Homebuyer Assistance Program (HAP) for up to $25,000 in forgivable closing cost help.
The Fort Worth Homebuyer Assistance Program — HAP — provides up to $25,000 in forgivable down payment and closing cost assistance for qualified buyers purchasing within Fort Worth city limits. It pairs directly with FHA loans, which means a Fort Worth buyer can combine 3.5% FHA down payment with HAP assistance and arrive at closing with very little out of pocket.
Fort Worth is also a large and diverse market — from starter homes in the $180,000s on the south and east sides to well-established neighborhoods in the $280,000–$350,000 range. FHA loan limits for Tarrant County cover this market comfortably. Whether you're looking at Haltom City, Benbrook, Stop Six, or the Near Southside, I can usually find a program combination that works for your situation.
| Minimum credit score | 580 (for 3.5% down) |
|---|---|
| Minimum down payment | 3.5% of purchase price |
| Down payment source | Savings, gift funds, or DPA |
| Debt-to-income ratio | Up to 57% (case by case) |
| Property types | Single-family, condo, 2–4 unit |
| Mortgage insurance | Upfront MIP + annual MIP |
| Best DPA for Fort Worth | Fort Worth HAP (up to $25,000) |
The Fort Worth Homebuyer Assistance Program provides up to $25,000 in forgivable down payment and closing cost help. Forgiven over 5 years, no monthly payments on the assistance. Must purchase within Fort Worth city limits. First-time buyer required. Income limits apply (~$97,200 for Tarrant County in 2026).
A 3–5% grant on your loan amount — no repayment ever. Works for all of Texas, no city-limits restriction. Ideal if your Fort Worth property falls just outside HAP's eligible zone, or if HAP funding is temporarily exhausted. No first-time buyer requirement.
Up to 5% deferred second-lien assistance, forgiven at year 3. Paired with a below-market FHA rate through TDHCA. For first-time buyers and Texas veterans across all of Fort Worth. A strong option when layering with HAP isn't possible.
I'm Bond Peter Njoku (NMLS #2670329), a licensed mortgage loan officer serving all of DFW including Fort Worth. I'm approved to originate FHA loans paired with the Fort Worth HAP and TSAHC programs. Call or text 469-545-7180 — I'll answer your questions directly.
The Fort Worth Homebuyer Assistance Program (HAP) provides up to $25,000 in forgivable down payment and closing cost assistance. It's compatible with FHA loans, which means your FHA down payment can be largely or fully covered by HAP. First-time buyer status and income limits apply. I'm Bond Peter Njoku (NMLS #2670329). Call 469-545-7180 to check eligibility.
580 is the FHA minimum for 3.5% down. Scores from 500–579 may still qualify with 10% down. I review your whole file — income, debts, credit — and find your best option. I'm Bond Peter Njoku (NMLS #2670329). Call me at 469-545-7180 for a free review.
Fort Worth has great FHA inventory from $185,000 on the south side up to $350,000 in more established areas. The FHA loan limit for Tarrant County covers this range comfortably. With HAP, many buyers close with very little out of pocket. I'm Bond Peter Njoku (NMLS #2670329). Text 469-545-7180 and I'll run your numbers.
I'm Bond Peter Njoku (NMLS #2670329), your DFW FHA loan officer. Call, text, or WhatsApp me at 469-545-7180 — I'll check your Fort Worth HAP eligibility and run your full FHA numbers at no cost.
Also serving nearby: Fort Worth · Arlington · Mansfield · FHA Loans in Arlington · FHA Loans in Dallas · FHA Loans Overview · Down Payment Assistance