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Arlington Homebuyer's Assistance Program (AHAP)

Arlington, Texas

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Income limit

80% AMI

Of area median income; varies by county and household size

Price cap

$305,000

Highest purchase price the program allows

Repayment

Forgivable

Forgiven after 10 years

What is Arlington Homebuyer's Assistance Program (AHAP)?

Arlington Homebuyer's Assistance Program (AHAP) is a forgivable loan for homebuyers in Arlington, Texas.

  • Up to $20,000 forgivable second mortgage at 0% interest for first-time homebuyers purchasing in Arlington city limits. 5-10 year affordability period based on assistance amount. HOME/CDBG-funded. 80% AMI ceiling. Max purchase $290K existing / $305K new construction. 620 FICO.
  • Arlington Homebuyer's Assistance Program (AHAP) provides up to $20,000 in down payment and closing cost assistance to first-time homebuyers purchasing within Arlington city limits. Structured as a 0% interest deferred forgivable second mortgage with 5-10 year affordability period (5-year for assistance under $15,000.
  • 10-year for $15,000-$20,000). HOME and CDBG funded. Pairs with FHA, VA, USDA, or conventional 30-year fixed first mortgage. 80% AMI ceiling. Maximum purchase price $290,000 existing / $305,000 new construction.
  • Funding comes from Federal and Local.

Do you have to pay it back?

Arlington Homebuyer's Assistance Program (AHAP) is forgiven after 10 years, so a buyer who stays that long does not repay it.

  • Repayment is triggered by Deferred 0% second mortgage. 5-year affordability period for assistance under $15,000 (HUD HOME rule) and 10-year for $15,000-$20,000. If property is sold, refinanced (cash-out), transferred, or vacated as primary residence before affordability period ends, prorata unforgiven balance becomes due in full.
  • The assistance is recorded in 2nd Lien position.
  • Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

Arlington Homebuyer's Assistance Program (AHAP) is open to first-time homebuyers and buyers who will live in the home as their primary residence.

The program requires

  • First-time homebuyer — with exceptions: First-time homebuyer required (no ownership in past 3 years). Veteran exception per HUD rule.
  • The home is occupied as a primary residence
  • On credit: 620 minimum FICO across all products.
  • A completed homebuyer education course, through HUD-approved homebuyer education required. Local providers include Housing Channel (Fort Worth/Arlington), Frameworks Community Development Corporation, and other HUD-approved counseling agencies in Tarrant County.
  • Residency: Property must be located in the City of Arlington city limits and occupied as primary residence throughout affordability period.
  • Citizenship or immigration status: U.S. citizen, permanent resident, or qualifying non-permanent resident alien per first-mortgage product overlays.
  • Property must be located in the City of Arlington city limits. First-time homebuyer required (no ownership in past 3 years; veteran exception). Household income at or below 80% AMI for Dallas-Fort Worth-Arlington MSA. Mandatory 8-hour HUD-approved homebuyer education class. Minimum $1,000 borrower contribution from own funds. 620 FICO minimum. Property must be a single-family detached, condominium, or townhouse used as primary residence. 30-year fixed-rate first mortgage required.

The program excludes

  • Manufactured homes
  • Purchases above the $305,000 price cap
  • Households above 80% of area median income

These are the program's own published rules, not a decision about any individual — the administering agency and a lender determine who actually qualifies.

What are the income limits?

Arlington Homebuyer's Assistance Program (AHAP) limits household income to 80% of the area median income, which varies by county and household size.

  • 80% AMI for Dallas-Fort Worth-Arlington MSA per HUD; 1-person $57,050 / 4-person $81,500 / 8-person $107,600 (2025 limits).
  • The limit applies to total household income, not only the borrower’s.
  • Area median income figures are published by HUD and updated annually, so check the current table for the county before relying on a number.

What kind of home can it be used for?

Arlington Homebuyer's Assistance Program (AHAP) caps the purchase price at $305,000.

  • Eligible property types include Single-family detached, condominium, townhouse, PUD. Must be primary residence.
  • New construction is eligible.
  • Manufactured homes are not eligible.

Is there eligibility for specific groups?

Arlington Homebuyer's Assistance Program (AHAP) names veterans, active-duty service members, reservists and National Guard members, and surviving spouses among the groups it serves.

  • Being named here means the program mentions the group, not that membership alone qualifies an applicant — the rest of the eligibility rules still apply.

Where does it apply?

Arlington Homebuyer's Assistance Program (AHAP) serves buyers purchasing in Arlington, Texas.

How do you apply?

Applications for Arlington Homebuyer's Assistance Program (AHAP) go through the administering agency, which publishes the current terms and the application steps on its own site.

  1. Take a homebuyer education course

    Required by the program, through HUD-approved homebuyer education required. Local providers include Housing Channel (Fort Worth/Arlington), Frameworks Community Development Corporation, and other HUD-approved counseling agencies in Tarrant County..

  2. Contact the administering agency to reserve funds

    Funds are reserved through Reserved by participating lender at rate lock through City of Arlington Office of Strategic Initiatives. Funds available on first-come, first-served basis subject to annual allocation., and are subject to availability.

  3. Work with a lender who handles the program

    Hey Prescott is not a lender and does not accept applications; this page describes the program so a buyer can take it to a lender or housing counselor.

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