Fort Worth Down Payment Assistance
Discover how Fort Worth-area home buyers can receive up to 5% in down payment and closing cost assistance through Texas state programs.
Population
958,692
Median Home Price
$290,000
Median Income
$63,165
DPA Available
Up to 5%
Down Payment Assistance in Fort Worth, Texas
Fort Worth is the fifth-largest city in Texas and the western anchor of the Dallas-Fort Worth metroplex, offering a compelling blend of affordability, economic opportunity, and quality of life. With a median home price around $290,000, Fort Worth is notably more affordable than neighboring Dallas while providing access to the same massive regional job market.
Tarrant County income limits for TDHCA and TSAHC down payment assistance programs are based on the DFW metropolitan area, providing generous qualifying thresholds. The TDHCA My First Texas Home program serves first-time buyers, while My Choice Texas Home extends benefits to repeat buyers.
Fort Worth's economy is built on manufacturing, aerospace, defense, and logistics. Lockheed Martin's massive facility produces the F-35 Lightning II fighter jet, employing thousands of skilled workers. Bell Textron, BNSF Railway, and American Airlines also maintain significant operations in the area.
Surrounding communities like Arlington, Mansfield, Burleson, and Keller offer diverse housing options at various price points. Arlington provides affordable housing close to employment centers, while Mansfield and Burleson offer family-oriented suburbs with excellent schools. Many homes in these areas fall within DPA purchase price limits.
DPA Program Note
Tarrant County follows DFW metro income limits. Fort Worth proper offers strong DPA value compared to Dallas.
Why Fort Worth for Homeownership?
Key factors that make Fort Worth an excellent market for buyers using down payment assistance.
More affordable than Dallas
Strong aerospace/defense industry
Western heritage culture
Family-friendly communities
Major Employers in Fort Worth
Fort Worth's diverse economy provides stable employment for home buyers qualifying for DPA programs.
Popular Fort Worth-Area Communities
Explore neighborhoods and suburbs in the Fort Worth metro where DPA programs can help you buy a home.
DPA Eligibility in Fort Worth
Most Fort Worth-area buyers who meet the following criteria can qualify for Texas down payment assistance programs.
- Household income within Tarrant County limits (varies by program and family size)
- Minimum credit score of 620 (some programs may allow lower with compensating factors)
- Purchasing a primary residence in the state of Texas
- Completing a HUD-approved homebuyer education course (available online)
- Working with a TDHCA- or TSAHC-approved lender like Cornerstone First Mortgage
- Meeting the purchase price limits for Tarrant County (currently up to $472,030 standard or $546,250 in high-cost areas)
Eligibility requirements vary by program. Contact the Cook Brothers Mortgage Team for a personalized eligibility assessment based on your specific financial situation and the Fort Worth area where you plan to buy.
Fort Worth DPA FAQs
How much down payment assistance can I get in Fort Worth?
Home buyers in Fort Worth can receive up to 5% of the loan amount in down payment assistance through TDHCA and TSAHC programs. On a $290,000 home, that's up to $14,500 in assistance.
What are the income limits for DPA in Tarrant County?
Income limits vary by program and household size. Tarrant County limits are based on the Dallas-Fort Worth-Arlington Area Median Income (AMI). Generally, households earning up to 115% of AMI can qualify. Use our calculator or contact us for current limits.
Do I have to be a first-time buyer to use DPA in Fort Worth?
No! While the TDHCA My First Texas Home program is for first-time buyers, the My Choice Texas Home program and some TSAHC options are available to repeat buyers. If you've owned a home before, you may still qualify for assistance in Fort Worth.
Check Your Eligibility in Fort Worth
Take our free 60-second quiz to see which Texas DPA programs you may qualify for in the Fort Worth area. No credit check required, no obligation.
Cook Brothers Mortgage Team at Cornerstone First Mortgage | NMLS #173855