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Arlington Homebuyers Assistance Program

Arlington, Texas

Last verified
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Assistance

$20,000

The maximum the program publishes — not an offer

Income limit

80% AMI

Of area median income; varies by county and household size

Repayment

Forgivable

Forgiven after 5 years

What is Arlington Homebuyers Assistance Program?

Arlington Homebuyers Assistance Program is a forgivable loan for homebuyers in Arlington, Texas.

  • City of Arlington's Homebuyer Assistance Program (AHAP) provides up to $20,000 in down payment and closing cost assistance as a 0% interest forgivable loan. Loan is forgiven if the borrower remains in the home for 5 years. Must be a first-time homebuyer (no home ownership in the last 3 years), meet 80% AMI income limits, and complete a HUD-approved homebuyer education course. Minimum $1,000 borrower contribution required. Administered by Housing Channel.
  • Up to $20,000 forgivable loan for down payment and closing costs.
  • 0% interest rate.
  • fully forgiven after 5 years of owner-occupancy.
  • no monthly payments required.
  • borrower must contribute minimum $1,000 from own funds.
  • HUD-approved homebuyer education course required prior to closing.
  • administered by Housing Channel.
  • Funding comes from Local Government.

How much assistance does it provide?

Arlington Homebuyers Assistance Program offers up to $20,000 in assistance.

  • The program asks buyers to contribute $1,000.
  • The program can be combined with other assistance, subject to the rules of each.
  • Amounts are the program's published maximums, not an offer — the administering agency determines any individual award.

Do you have to pay it back?

Arlington Homebuyers Assistance Program is forgiven after 5 years, so a buyer who stays that long does not repay it.

  • Repayment is triggered by Sale and No Longer Primary.
  • 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 Homebuyers Assistance Program 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: 3 years since last home ownership
  • The home is occupied as a primary residence
  • A completed homebuyer education course
  • Property must be within Arlington city limits. Minimum $1,000 borrower contribution required. Front-end DTI may not exceed 35% nor be less than 10%.

The program excludes

  • 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 Homebuyers Assistance Program limits household income to 80% of the area median income, which varies by county and household size.

  • 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 Homebuyers Assistance Program can be used for Single Family, Condo, Townhouse, and New Construction.

Where does it apply?

Arlington Homebuyers Assistance Program serves buyers purchasing in Arlington, Texas.

How do you apply?

Applications for Arlington Homebuyers Assistance Program 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 before funds are reserved.

  2. Contact the administering agency to reserve funds

    Funds are reserved through First-Come-First-Served, 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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