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Get Matched Free →Homebuyer Programs in Haltom City, TX (2026)
Haltom City is a diverse, working-class community in northeast Tarrant County, Texas, situated between Fort Worth and North Richland Hills. With a median home price around $275,000, Haltom City is one of the most affordable markets in the DFW metroplex, making homeownership particularly attainable with the right assistance. The Tarrant County Homebuyer Assistance Program offers up to $50,000 in forgivable loans for first-time buyers purchasing outside Fort Worth, Arlington, and Grand Prairie city limits, and Haltom City qualifies. The NeighborWorks Waco NeighborhoodLIFT Program provides $15,000 to $17,500 in grants for Tarrant County buyers. State programs including the Home Sweet Texas Home Loan Program and Homes for Texas Heroes add up to 5% of the loan amount. Trinity Habitat for Humanity also serves the area. Combined with Haltom City's affordable prices, these programs can make homeownership a reality for many families.
Top Homebuyer Programs in Haltom City
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| Tarrant County Homebuyer Assistance Program | Forgivable Loan | Up to $50,000 | Yes | View → |
| FHA Loans | Government-Insured Mortgage | Up to FHA county loan limits ($541,287 floor to $1,249,125 ceiling for single-family in 2026) | No | View → |
| FHLBA Community Partners Product | Forgivable Loan | Up to $20,000 in home purchase assistance for down payment and closing costs | No | View → |
| FHLBA First Time Homebuyer Product | Forgivable Loan | Up to $17,500 in home purchase assistance for down payment and closing costs | Yes | View → |
| FHLBA Workforce Housing Plus+ | Forgivable Loan | Up to $15,000 in home purchase assistance for down payment and closing costs | No | View → |
| Good Neighbor Next Door (HUD) | Government Property Sale Program | 50% discount off the list price of HUD-owned homes | Yes | View → |
| Home Possible Mortgage (Freddie Mac) | Government-Guaranteed Mortgage | Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment | No | View → |
| HomeReady Mortgage (Fannie Mae) | Government-Guaranteed Mortgage | Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment | No | View → |
| HUD $100 Down Program | FHA-Financed HUD REO Purchase | Only $100 down payment required (vs. standard 3.5% FHA down payment). HUD may also pay up to 3% of buyer's closing costs. | No | View → |
| USDA Rural Development Loans | Government-Guaranteed Mortgage | 100% financing (no down payment required); loan amount up to appraised value | No | View → |
| VA Loans | Government-Guaranteed Mortgage | No loan limit for veterans with full entitlement (0% down at any price); partial entitlement subject to conforming limits ($832,750 standard in 2026) | No | View → |
| NeighborWorks Waco NeighborhoodLIFT Program (Dallas/Tarrant County) | Grant | $15,000 ($17,500 for veterans, teachers, law enforcement, firefighters, and EMTs) | No | View → |
| Trinity Habitat for Humanity Homeownership Program | Zero-Interest Loan | Affordable home with zero-interest mortgage sold at no profit | No | View → |
| Home Sweet Texas Home Loan Program | Grant | Up to 5% of the total loan amount | No | View → |
| Homes for Texas Heroes Program | Grant | Up to 5% of the loan amount (between 3% and 5%) | No | View → |
| My First Texas Home | Forgivable Loan | Up to 5% of the first lien mortgage amount | Yes | View → |
| SETH 5 Star Texas Advantage Program | Forgivable Loan | Up to 5% of the loan amount | No | View → |
- Type:
- Forgivable Loan
- Amount:
- Up to $50,000
- First-time only:
- Yes
- Type:
- Government-Insured Mortgage
- Amount:
- Up to FHA county loan limits ($541,287 floor to $1,249,125 ceiling for single-family in 2026)
- First-time only:
- No
- Type:
- Forgivable Loan
- Amount:
- Up to $20,000 in home purchase assistance for down payment and closing costs
- First-time only:
- No
- Type:
- Forgivable Loan
- Amount:
- Up to $17,500 in home purchase assistance for down payment and closing costs
- First-time only:
- Yes
- Type:
- Forgivable Loan
- Amount:
- Up to $15,000 in home purchase assistance for down payment and closing costs
- First-time only:
- No
- Type:
- Government Property Sale Program
- Amount:
- 50% discount off the list price of HUD-owned homes
- First-time only:
- Yes
- Type:
- Government-Guaranteed Mortgage
- Amount:
- Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment
- First-time only:
- No
- Type:
- Government-Guaranteed Mortgage
- Amount:
- Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment
- First-time only:
- No
- Type:
- FHA-Financed HUD REO Purchase
- Amount:
- Only $100 down payment required (vs. standard 3.5% FHA down payment). HUD may also pay up to 3% of buyer's closing costs.
- First-time only:
- No
- Type:
- Government-Guaranteed Mortgage
- Amount:
- 100% financing (no down payment required); loan amount up to appraised value
- First-time only:
- No
- Type:
- Government-Guaranteed Mortgage
- Amount:
- No loan limit for veterans with full entitlement (0% down at any price); partial entitlement subject to conforming limits ($832,750 standard in 2026)
- First-time only:
- No
- Type:
- Grant
- Amount:
- $15,000 ($17,500 for veterans, teachers, law enforcement, firefighters, and EMTs)
- First-time only:
- No
- Type:
- Zero-Interest Loan
- Amount:
- Affordable home with zero-interest mortgage sold at no profit
- First-time only:
- No
- Type:
- Grant
- Amount:
- Up to 5% of the total loan amount
- First-time only:
- No
- Type:
- Grant
- Amount:
- Up to 5% of the loan amount (between 3% and 5%)
- First-time only:
- No
- Type:
- Forgivable Loan
- Amount:
- Up to 5% of the first lien mortgage amount
- First-time only:
- Yes
- Type:
- Forgivable Loan
- Amount:
- Up to 5% of the loan amount
- First-time only:
- No
How to Apply
- Step 1:
Check your eligibility. The Tarrant County Homebuyer Assistance Program requires income at or below 80% of AMI, first-time buyer status, at least 6 months of continuous employment, and a minimum $1,000 personal investment. State programs require a minimum credit score of 620.
- Step 2:
Complete homebuyer education. The Tarrant County program requires a HUD-certified course through Housing Channel. Contact Housing Channel at (817) 924-5091 to register. State programs also require an approved course.
- Step 3:
Apply for the Tarrant County Homebuyer Assistance Program. Contact Housing Channel at (817) 924-5091 or visit housingchannel.org to start your application for up to $50,000 in forgivable down payment and closing cost assistance.
- Step 4:
Explore the NeighborhoodLIFT grant. Contact NeighborWorks Waco about their Dallas/Tarrant County NeighborhoodLIFT Program, which provides $15,000 in grants ($17,500 for veterans, teachers, law enforcement, firefighters, and EMTs).
- Step 5:
Connect with a participating lender. TSAHC and TDHCA state programs are offered through approved lender networks. Ask about the Home Sweet Texas and Homes for Texas Heroes programs for additional assistance.
- Step 6:
Get pre-approved and find a home. Work with your lender to determine your budget including all DPA funds. For the Tarrant County program, the property must be in Tarrant County but outside Fort Worth, Arlington, and Grand Prairie city limits. Haltom City qualifies.