Fort Worth FHA Loan Rates, Closing Costs & Stats

FORT WORTH-ARLINGTON-GRAPEVINE, TX

FHA loans are mortgages created in the 1930's to help insulate lenders from credit risks and help promote home ownership. The Federal Housing Administration (hence, FHA) allows for lower downpayments and credit scores-- making these loans much more accessible than traditional mortgages.

FHA loans typically need just a 3.5% downpayment with credit scores of 580 or better. For credit scores between 500-579, the downpayment needs to be at least 10%.

While FHA loans make home ownership much more accessible to first-time homebuyers, they do require PMI (purchase money insurance)-- an additional insurance premium that is paid to the FHA to help cover defaults.

For additional requirements as defined by the FHA, click here.

Fort Worth FHA Loans, 30 Year Fixed Rates

30 Year FHA mortgages in Fort Worth averaged 0% for the week of 2025-07-04, compared to the national average (all FHA variants) of 0% for the same period.

Fort Worth's average FHA mortgage closing costs are $0.

The average rate for the prior week (2025-06-27) was 0% and one month ago for the week of 2025-05-30, the average rate was 0%.

The average rate one year ago was 0%.

For refis of the same type during the week of 2025-07-04, the average rate was 0%.

Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

Fort Worth FHA Loan Lenders by Rates & Fees

The below table looks at the average fees/closing costs and rates for FHA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Fort Worth level.

Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs

The lowest fee Fort Worth FHA lenders (with over 10 loans originated) are .

The lowest rate Fort Worth FHA lenders (with over 10 loans originated) are .


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - Fort Worth (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
2018-01-01 $354,950 (0.0%) $496,877 (-2.5%) 1.32 14,302
2018-02-01 $369,450 (0.7%) $519,942 (-0.8%) 1.34 14,292
2018-03-01 $374,330 (0.0%) $528,371 (-2.6%) 1.31 15,270
2018-04-01 $378,700 (-0.3%) $537,065 (-3.0%) 1.28 16,629
2018-05-01 $384,950 (0.8%) $543,255 (-1.8%) 1.29 18,222
2018-06-01 $374,900 (0.0%) $525,258 (-2.9%) 1.25 20,153
2018-07-01 $366,000 (-0.8%) $511,291 (-2.3%) 1.22 22,051
2018-08-01 $350,000 (-2.0%) $486,626 (-2.3%) 1.17 22,543
2018-09-01 $347,436 (-0.7%) $483,076 (-2.8%) 1.17 22,643
2018-10-01 $345,000 (-1.6%) $482,652 (-3.3%) 1.17 22,803
2018-11-01 $344,900 (-1.5%) $482,839 (-2.9%) 1.17 22,367
2018-12-01 $339,990 (-2.9%) $476,952 (-3.4%) 1.17 20,538
2019-01-01 $339,945 (-4.2%) $472,167 (-5.0%) 1.17 18,995
2019-02-01 $347,465 (-6.0%) $486,417 (-6.5%) 1.17 19,529
2019-03-01 $353,714 (-5.5%) $497,774 (-5.8%) 1.16 20,204
2019-04-01 $360,000 (-4.9%) $508,841 (-5.3%) 1.14 21,049
2019-05-01 $364,445 (-5.3%) $508,262 (-6.4%) 1.14 22,293
2019-06-01 $359,100 (-4.2%) $503,331 (-4.2%) 1.12 23,921
2019-07-01 $355,098 (-3.0%) $493,714 (-3.4%) 1.11 24,732
2019-08-01 $347,947 (-0.6%) $481,665 (-1.0%) 1.10 24,706
2019-09-01 $344,883 (-0.7%) $477,985 (-1.1%) 1.10 24,317
2019-10-01 $344,085 (-0.3%) $477,297 (-1.1%) 1.11 23,804
2019-11-01 $342,900 (-0.6%) $476,302 (-1.4%) 1.12 22,134
2019-12-01 $337,646 (-0.7%) $469,782 (-1.5%) 1.13 19,620
2020-01-01 $336,250 (-1.1%) $466,533 (-1.2%) 1.12 17,941
2020-02-01 $340,000 (-2.2%) $475,039 (-2.3%) 1.11 17,633
2020-03-01 $329,192 (-6.9%) $449,529 (-9.7%) 1.03 19,663
2020-04-01 $339,996 (-5.6%) $471,216 (-7.4%) 1.07 18,613
2020-05-01 $350,000 (-4.0%) $497,400 (-2.1%) 1.06 18,801
2020-06-01 $359,000 (0.0%) $514,859 (2.3%) 1.06 16,970
2020-07-01 $360,000 (1.4%) $523,178 (6.0%) 1.04 15,860
2020-08-01 $360,750 (3.7%) $531,265 (10.3%) 1.03 14,746
2020-09-01 $361,750 (4.9%) $543,102 (13.6%) 1.04 13,601
2020-10-01 $359,000 (4.3%) $550,450 (15.3%) 1.03 12,715
2020-11-01 $362,050 (5.6%) $560,495 (17.7%) 1.06 11,170
2020-12-01 $357,998 (6.0%) $559,600 (19.1%) 1.06 9,411
2021-01-01 $350,000 (4.1%) $552,600 (18.5%) 1.04 8,067
2021-02-01 $359,700 (5.8%) $578,067 (21.7%) 1.05 6,215
2021-03-01 $366,350 (11.3%) $578,992 (28.8%) 1.04 5,818
2021-04-01 $375,000 (10.3%) $594,801 (26.2%) 1.02 5,690
2021-05-01 $381,167 (8.9%) $583,766 (17.4%) 1.01 6,010
2021-06-01 $389,945 (8.6%) $590,901 (14.8%) 1.03 6,943
2021-07-01 $397,160 (10.3%) $576,239 (10.1%) 1.05 8,386
2021-08-01 $399,000 (10.6%) $566,026 (6.5%) 1.06 9,246
2021-09-01 $398,852 (10.3%) $563,098 (3.7%) 1.06 8,917
2021-10-01 $399,000 (11.1%) $574,863 (4.4%) 1.06 8,278
2021-11-01 $400,000 (10.5%) $583,580 (4.1%) 1.07 7,345
2021-12-01 $400,000 (11.7%) $583,982 (4.4%) 1.08 6,255
2022-01-01 $403,900 (15.4%) $596,766 (8.0%) 1.09 4,892
2022-02-01 $412,000 (14.5%) $640,055 (10.7%) 1.07 4,138
2022-03-01 $425,000 (16.0%) $656,890 (13.5%) 1.06 4,548
2022-04-01 $441,900 (17.8%) $672,766 (13.1%) 1.05 5,421
2022-05-01 $476,203 (24.9%) $677,812 (16.1%) 1.09 8,075
2022-06-01 $490,793 (25.9%) $672,491 (13.8%) 1.09 11,269
2022-07-01 $480,710 (21.0%) $644,577 (11.9%) 1.08 14,833
2022-08-01 $462,551 (15.9%) $617,824 (9.2%) 1.07 16,511
2022-09-01 $453,995 (13.8%) $610,938 (8.5%) 1.06 16,489
2022-10-01 $450,000 (12.8%) $612,367 (6.5%) 1.06 17,451
2022-11-01 $448,450 (12.1%) $609,378 (4.4%) 1.08 17,855
2022-12-01 $438,999 (9.8%) $598,145 (2.4%) 1.08 16,321
2023-01-01 $433,500 (7.3%) $590,024 (-1.1%) 1.07 14,667
2023-02-01 $435,000 (5.6%) $598,105 (-6.6%) 1.05 12,774
2023-03-01 $442,166 (4.0%) $618,586 (-5.8%) 1.04 12,395
2023-04-01 $459,900 (4.1%) $648,730 (-3.6%) 1.07 12,533
2023-05-01 $469,399 (-1.4%) $667,501 (-1.5%) 1.06 13,169
2023-06-01 $473,500 (-3.5%) $671,036 (-0.2%) 1.06 14,677
2023-07-01 $470,000 (-2.2%) $665,462 (3.2%) 1.07 16,132
2023-08-01 $465,004 (0.5%) $651,171 (5.4%) 1.07 16,922
2023-09-01 $450,000 (-0.9%) $644,200 (5.4%) 1.05 17,261
2023-10-01 $449,000 (-0.2%) $647,680 (5.8%) 1.06 18,601
2023-11-01 $445,000 (-0.8%) $637,626 (4.6%) 1.06 18,924
2023-12-01 $435,000 (-0.9%) $628,356 (5.1%) 1.06 17,355
2024-01-01 $431,088 (-0.6%) $612,069 (3.7%) 1.05 15,782
2024-02-01 $435,000 (0.0%) $618,316 (3.4%) 1.05 16,017
2024-03-01 $439,990 (-0.5%) $628,977 (1.7%) 1.04 17,101
2024-04-01 $449,900 (-2.2%) $648,240 (-0.1%) 1.05 18,535
2024-05-01 $454,500 (-3.2%) $660,975 (-1.0%) 1.03 20,082
2024-06-01 $450,178 (-4.9%) $656,479 (-2.2%) 1.02 22,368
2024-07-01 $450,000 (-4.3%) $640,440 (-3.8%) 1.03 24,436
2024-08-01 $444,999 (-4.3%) $623,720 (-4.2%) 1.03 25,480
2024-09-01 $439,450 (-2.3%) $617,367 (-4.2%) 1.03 25,769
2024-10-01 $434,500 (-3.2%) $614,235 (-5.2%) 1.02 25,909
2024-11-01 $428,000 (-3.8%) $610,033 (-4.3%) 1.03 25,494
2024-12-01 $422,450 (-2.9%) $600,315 (-4.5%) 1.05 22,744
2025-01-01 $415,500 (-3.6%) $591,167 (-3.4%) 1.04 21,422
2025-02-01 $415,950 (-4.4%) $595,119 (-3.8%) 1.01 21,794
2025-03-01 $423,503 (-3.8%) $613,883 (-2.4%) 1.00 23,675
2025-04-01 $430,000 (-4.4%) $630,859 (-2.7%) 1.00 26,471
2025-05-01 $440,000 (-3.2%) $638,578 (-3.4%) 1.00 29,084
Fort Worth's median listing price for 2025-05-01 was $440,000, a difference of $-14,500 (-3.2%) versus the prior year and $10,000 versus the prior month.

Fort Worth's median listing price comes in at 100% of the national average.

Fort Worth's average listing price for 2025-05-01 was $638,578, a difference of $-22,397 (-3.4%) versus the prior year and $7,719 versus the prior month.

For the 2025-05-01 period, Fort Worth had 29,084 MLS listings, a difference of 2,613 listings (10%) versus the prior month and 9,002 listings (45%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Fort Worth (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 64 days 2,590 sqft
2018-02-01 48 days 2,635 sqft
2018-03-01 43 days 2,644 sqft
2018-04-01 39 days 2,675 sqft
2018-05-01 37 days 2,721 sqft
2018-06-01 39 days 2,672 sqft
2018-07-01 40 days 2,627 sqft
2018-08-01 47 days 2,551 sqft
2018-09-01 52 days 2,516 sqft
2018-10-01 56 days 2,499 sqft
2018-11-01 59 days 2,469 sqft
2018-12-01 65 days 2,437 sqft
2019-01-01 67 days 2,415 sqft
2019-02-01 57 days 2,439 sqft
2019-03-01 46 days 2,474 sqft
2019-04-01 44 days 2,507 sqft
2019-05-01 44 days 2,521 sqft
2019-06-01 47 days 2,515 sqft
2019-07-01 49 days 2,490 sqft
2019-08-01 51 days 2,439 sqft
2019-09-01 53 days 2,416 sqft
2019-10-01 54 days 2,405 sqft
2019-11-01 58 days 2,397 sqft
2019-12-01 65 days 2,351 sqft
2020-01-01 66 days 2,328 sqft
2020-02-01 50 days 2,337 sqft
2020-03-01 43 days 2,305 sqft
2020-04-01 49 days 2,328 sqft
2020-05-01 52 days 2,392 sqft
2020-06-01 46 days 2,403 sqft
2020-07-01 45 days 2,396 sqft
2020-08-01 44 days 2,369 sqft
2020-09-01 45 days 2,319 sqft
2020-10-01 46 days 2,297 sqft
2020-11-01 48 days 2,255 sqft
2020-12-01 52 days 2,206 sqft
2021-01-01 49 days 2,162 sqft
2021-02-01 39 days 2,157 sqft
2021-03-01 38 days 2,156 sqft
2021-04-01 29 days 2,151 sqft
2021-05-01 29 days 2,174 sqft
2021-06-01 28 days 2,175 sqft
2021-07-01 27 days 2,173 sqft
2021-08-01 31 days 2,179 sqft
2021-09-01 36 days 2,168 sqft
2021-10-01 36 days 2,154 sqft
2021-11-01 38 days 2,153 sqft
2021-12-01 42 days 2,147 sqft
2022-01-01 40 days 2,124 sqft
2022-02-01 32 days 2,106 sqft
2022-03-01 24 days 2,117 sqft
2022-04-01 23 days 2,154 sqft
2022-05-01 21 days 2,249 sqft
2022-06-01 22 days 2,304 sqft
2022-07-01 29 days 2,294 sqft
2022-08-01 35 days 2,262 sqft
2022-09-01 43 days 2,249 sqft
2022-10-01 44 days 2,248 sqft
2022-11-01 49 days 2,242 sqft
2022-12-01 59 days 2,216 sqft
2023-01-01 64 days 2,190 sqft
2023-02-01 59 days 2,192 sqft
2023-03-01 46 days 2,217 sqft
2023-04-01 39 days 2,272 sqft
2023-05-01 37 days 2,305 sqft
2023-06-01 36 days 2,321 sqft
2023-07-01 37 days 2,318 sqft
2023-08-01 42 days 2,296 sqft
2023-09-01 44 days 2,249 sqft
2023-10-01 46 days 2,227 sqft
2023-11-01 50 days 2,211 sqft
2023-12-01 58 days 2,187 sqft
2024-01-01 63 days 2,165 sqft
2024-02-01 48 days 2,158 sqft
2024-03-01 40 days 2,177 sqft
2024-04-01 40 days 2,201 sqft
2024-05-01 39 days 2,232 sqft
2024-06-01 43 days 2,233 sqft
2024-07-01 44 days 2,224 sqft
2024-08-01 49 days 2,200 sqft
2024-09-01 53 days 2,188 sqft
2024-10-01 56 days 2,167 sqft
2024-11-01 58 days 2,141 sqft
2024-12-01 66 days 2,117 sqft
2025-01-01 69 days 2,100 sqft
2025-02-01 56 days 2,100 sqft
2025-03-01 45 days 2,112 sqft
2025-04-01 43 days 2,157 sqft
2025-05-01 45 days 2,187 sqft
Fort Worth's median listing age (time on market) for 2025-05-01 was 45 days. This is 17% longer than the same period one year ago.

Fort Worth's median square footage for active listings during the 2025-05-01 period was 2,187 sqft. One year prior, the average listing was 2,232 sqft.

FHA Loan Requirements

  • Borrowers must have a steady employment history or worked for the same employer for the past two years.
  • Borrowers must have a valid Social Security number, lawful residency in the U.S. and be of legal age to sign a mortgage in your state.
  • Borrowers must pay a minimum down payment of 3.5 percent. The money may be gifted by a family member. (Traditional mortgages do not permit gifted down payments)
  • New FHA loans are only available for primary residence occupancy.
  • Borrowers must have a property appraisal from a FHA-approved appraiser.
  • Borrowers’ front-end ratio (mortgage payment plus HOA fees, property taxes, mortgage insurance, homeowners insurance) needs to be less than 31 percent of their gross income, typically. You may be able to get approved with as high a percentage as 40 percent. Your lender will be required to provide justification as to why they believe the mortgage presents an acceptable risk. The lender must include any compensating factors used for loan approval.
  • Borrowers’ debt to income ratio (mortgage plus all your monthly debt, i.e., credit card payment, car payment, student loans, etc.) needs to be less than 43 percent of their gross income, typically. You may be able to get approved with as high a percentage as 50 percent.
  • Borrowers must have a minimum credit score of 580 for maximum financing with a minimum down payment of 3.5 percent.
  • Borrowers must have a minimum credit score of 500-579 for maximum LTV of 90 percent with a minimum down payment of 10 percent.
  • Bborrowers must be two years out of bankruptcy and have re-established good credit. Exceptions can be made.
  • Typically borrowers must be three years out of foreclosure and have re-established good credit.
  • The purchased property must meet certain minimum standards at appraisal. If the home you are purchasing does not meet these standards and a seller will not agree to the required repairs, your only option is to pay for the required repairs at closing (to be held in escrow until the repairs are complete).