Be sure you have the time if you try to go for the Fort Worth grant program (Neighborhood Stabilization Program) for a foreclosure. The banks may not wait for you to get your grant together. The last time I worked with the NSP, the bank would not wait up to 90 days for the loan to process and forced a decision to buy the home under FHA or they would move on to another buyer. NSP is not offered in every zip code and there are qualifications. I suggest you contact Paul Duncan at WR Starkey Mortgage if you want to find out more about the NSP (firstname.lastname@example.org).
Neither have HOAs, but BOTH are eligible for the $8,000 tax credit. Also, depending on the area you're looking to land in, you could qualify for Fort Worth's 25K down payment assistance program. Give me a shout if you'd like more details.