FHA Loans in Fort Worth, TX

Fort Worth offers a compelling combination for FHA buyers: it shares the higher Dallas–Fort Worth FHA loan limit of $563,500 for 2026, but its median sale price of roughly $345,000 runs below Dallas. That gap means Fort Worth buyers get the metroplex’s elevated limit while shopping in a lower-priced market, so FHA rarely constrains a single-family purchase on the Tarrant County side.

The low entry cost of FHA fits Fort Worth’s buyer profile. A 3.5% minimum down payment applies for buyers with a 580 or higher credit score, and scores of 500–579 require 10% down. With homes priced more affordably than in Dallas proper, the 3.5% figure translates into a smaller amount of cash to close, and the full down payment can come from documented gift funds — a common path for the area’s many first-time buyers.

Fort Worth’s economy is anchored by aerospace and defense, with Lockheed Martin’s aeronautics plant and Naval Air Station JRB, along with American Airlines’ headquarters and a heavy logistics presence led by BNSF Railway and the Alliance corridor. Health care through Texas Health Resources rounds out a stable employment base. The far north side around Alliance has seen rapid new-home construction, much of it priced within FHA limits, while established neighborhoods like Fossil Creek, Como, and nearby Benbrook and Crowley offer lower entry points.

Like the rest of Texas, Fort Worth carries higher property taxes, so FHA buyers should plan around the full escrowed payment rather than the interest rate alone when comparing homes.