I'm Bond Peter Njoku (NMLS #2670329), a DFW VA loan officer who helps Fort Worth veterans, NAS JRB active-duty members, and surviving spouses buy homes with $0 down and no monthly mortgage insurance.
Fort Worth is home to Naval Air Station Joint Reserve Base Fort Worth — one of the largest joint reserve bases in the country, home to the 301st Fighter Wing, the 136th Airlift Wing, and thousands of active-duty and reserve personnel. Beyond NAS JRB, the broader Fort Worth area has one of the highest concentrations of veterans in DFW, with many Fort Cavazos (formerly Fort Hood) veterans settling here after service.
A VA loan is the right tool for most of these buyers. No down payment, no PMI, and rates that consistently beat conventional for eligible borrowers. Fort Worth's housing market — from $185,000 starter homes on the south side to $380,000 homes in Benbrook and north Fort Worth — fits well within VA loan parameters. I'll verify your entitlement, pull your COE, and get you a pre-approval that Fort Worth sellers and agents will take seriously.
| Down payment | $0 (with full entitlement) |
|---|---|
| Monthly PMI/MIP | None |
| Loan limit (full entitlement) | No limit |
| Minimum credit score | 580–620 (lender overlay) |
| VA funding fee (first use) | 2.15% (can be rolled in) |
| Funding fee waived | 10%+ service-connected disability |
| Fort Worth HAP combo | Up to $25K for closing costs |
Since VA loans eliminate the down payment, the Fort Worth HAP program's $25,000 in forgivable assistance can be directed almost entirely toward closing costs — appraisal, title, prepaid taxes and insurance, and lender fees. This leaves many Fort Worth VA buyers getting to the closing table with virtually no out-of-pocket expense at all.
HAP eligibility requires purchasing within Fort Worth city limits, meeting income limits, and being a first-time buyer. Not every VA buyer qualifies, but it's worth checking before we proceed. I'll verify both your VA entitlement and your HAP eligibility in the same conversation.
| Purchase price | $280,000 |
|---|---|
| VA down payment | $0 |
| Estimated closing costs | ~$7,500 |
| Fort Worth HAP assistance | Up to $25,000 |
| Out of pocket at closing | Potentially $0 |
Results vary. HAP eligibility requires income qualification, first-time buyer status, and property within Fort Worth city limits.
I'm Bond Peter Njoku (NMLS #2670329), a licensed mortgage loan officer serving all of DFW including Fort Worth and the NAS JRB community. I handle VA loans from pre-approval through closing — no hand-offs, no call centers. Call or text 469-545-7180.
No. Eligible veterans and active-duty members with full VA entitlement can buy in Fort Worth with $0 down and no loan limit. I'm Bond Peter Njoku (NMLS #2670329). Call 469-545-7180 and I'll confirm your entitlement and pull your Certificate of Eligibility at no cost.
Yes, in many cases. Since VA eliminates the down payment, HAP's forgivable assistance can cover closing costs — potentially leaving you with $0 out of pocket. HAP requires first-time buyer status, income qualification, and a property within Fort Worth city limits. I'm Bond Peter Njoku (NMLS #2670329). Call 469-545-7180 to check eligibility.
The VA funding fee for a first purchase with $0 down is 2.15% of the loan amount — it can be rolled into the loan, so you don't pay it at closing. It is waived entirely for veterans with a 10% or higher service-connected disability rating. I'm Bond Peter Njoku (NMLS #2670329). Call 469-545-7180 and I'll calculate your exact scenario.
I'm Bond Peter Njoku (NMLS #2670329), your DFW VA loan officer. Call, text, or WhatsApp me at 469-545-7180 — I'll pull your COE, check Fort Worth HAP eligibility, and run your full pre-approval at no cost.
Also serving nearby: Fort Worth · Arlington · Irving · VA Loans in Arlington · VA Loans in Irving · FHA Loans in Fort Worth · VA Loans Overview