diff --git a/.changeset/fix-form-options-validator-inference.md b/.changeset/fix-form-options-validator-inference.md
new file mode 100644
index 000000000..0cf6dac9c
--- /dev/null
+++ b/.changeset/fix-form-options-validator-inference.md
@@ -0,0 +1,15 @@
+---
+'@tanstack/form-core': patch
+---
+
+fix(form-core): fix validator type inference in formOptions
+
+When using `formOptions()` with `validators`, the callback parameter types were
+inferred as `any` instead of the expected typed shape. This happened because the
+return type `TOptions` captured the raw object literal type before TypeScript could
+resolve the validator generics.
+
+The fix uses `Omit` + `Pick` to selectively re-type the validator-dependent properties
+(`validators`, `onSubmit`, `onSubmitInvalid`, `listeners`) with the properly resolved
+generic types, while preserving spread/override compatibility through `TOptions` for
+all other properties.
diff --git a/packages/form-core/src/formOptions.ts b/packages/form-core/src/formOptions.ts
index e77460e6c..acd88f6bb 100644
--- a/packages/form-core/src/formOptions.ts
+++ b/packages/form-core/src/formOptions.ts
@@ -18,8 +18,19 @@ inside of it, meaning that TFormData changes to `unknown`.
 
 To bypass this, the intersection for defaultOpts gives TypeScript that information again,
 without losing the benefits from the TOptions generic.
+
+The return type uses Pick to selectively overlay the resolved validator/listener/onSubmit
+types onto TOptions. This preserves spread compatibility while ensuring callbacks
+have correctly typed parameters. We avoid intersecting the full FormOptions to prevent
+"excessively deep" errors from `in out` variance annotations.
 */
 
+/**
+ * Keys on FormOptions whose types depend on the validator generics
+ * and need to be resolved for proper callback parameter inference.
+ */
+type FormOptionsDependentKeys = 'validators' | 'onSubmit' | 'onSubmitInvalid' | 'listeners'
+
 export function formOptions<
   TOptions extends Partial<
     FormOptions<
@@ -67,6 +78,25 @@ export function formOptions<
     >
   > &
     TOptions,
-): TOptions {
-  return defaultOpts
+): Omit<TOptions, FormOptionsDependentKeys> &
+  Pick<
+    Partial<
+      FormOptions<
+        NoInfer<TFormData>,
+        NoInfer<TOnMount>,
+        NoInfer<TOnChange>,
+        NoInfer<TOnChangeAsync>,
+        NoInfer<TOnBlur>,
+        NoInfer<TOnBlurAsync>,
+        NoInfer<TOnSubmit>,
+        NoInfer<TOnSubmitAsync>,
+        NoInfer<TOnDynamic>,
+        NoInfer<TOnDynamicAsync>,
+        NoInfer<TOnServer>,
+        NoInfer<TSubmitMeta>
+      >
+    >,
+    FormOptionsDependentKeys & keyof TOptions
+  > {
+  return defaultOpts as any
 }
diff --git a/packages/form-core/tests/formOptions.test-d.ts b/packages/form-core/tests/formOptions.test-d.ts
index fd8089549..79b2a1cc7 100644
--- a/packages/form-core/tests/formOptions.test-d.ts
+++ b/packages/form-core/tests/formOptions.test-d.ts
@@ -319,4 +319,71 @@ describe('formOptions', () => {
       ('Too short!' | 'I just need an error')[]
     >()
   })
+
+  it('validators.onSubmit data param should NOT be any when defined in formOptions (#1613)', () => {
+    type FormData = {
+      description: string
+    }
+
+    const formOpts = formOptions({
+      defaultValues: {
+        description: '',
+      } as FormData,
+      validators: {
+        onSubmit: (data) => {
+          // The core of #1613: data.value should be FormData, NOT any
+          expectTypeOf(data.value).toEqualTypeOf<FormData>()
+          expectTypeOf(data.value).not.toBeAny()
+
+          if (data.value.description.length === 0) {
+            return 'Description is required'
+          }
+          return undefined
+        },
+      },
+    })
+
+    const form = new FormApi(formOpts)
+    expectTypeOf(form.state.values).toEqualTypeOf<FormData>()
+
+    // Also verify spreading still works
+    const form2 = new FormApi({ ...formOpts })
+    expectTypeOf(form2.state.values).toEqualTypeOf<FormData>()
+  })
+
+  it('onSubmit handler data param should NOT be any when defined in formOptions (#1613)', () => {
+    type FormData = {
+      rows: { id: string }[]
+    }
+
+    const formOpts = formOptions({
+      defaultValues: {
+        rows: [] as { id: string }[],
+      } as FormData,
+      onSubmit: (data) => {
+        // Verify the onSubmit handler parameter is typed
+        expectTypeOf(data.value).toEqualTypeOf<FormData>()
+        expectTypeOf(data.value).not.toBeAny()
+      },
+      validators: {
+        onSubmit: (data) => {
+          expectTypeOf(data.value).toEqualTypeOf<FormData>()
+          expectTypeOf(data.value).not.toBeAny()
+          if (data.value.rows.length < 2) {
+            return 'Need at least 2 rows'
+          }
+          return undefined
+        },
+      },
+    })
+
+    // Should work without type errors when passed to FormApi
+    const form = new FormApi(formOpts)
+    expectTypeOf(form.state.values).toEqualTypeOf<FormData>()
+
+    // Spreading should also work
+    const form2 = new FormApi({ ...formOpts })
+    expectTypeOf(form2.state.values).toEqualTypeOf<FormData>()
+  })
 })
+