The demand for "green" materials increases due to concerns about the effects of flame-retardant textiles. Using natural plant-base compounds such as phytic acid (PA) and the most abundant green amino polysaccharide chitosan (CS) as effective and durable flame retardants for textiles is essential for creating sustainable and ecological textile products. This study aims to develop a novel, eco-friendly, phosphorus- and nitrogen-containing flame retardant known as ammonium phytate (AP), intending to improve the flame retardant properties of polyamide 6.6 (PA6.6) textiles. UV-induced grafting with 2-acrylamide-2-methylpropane sulfonic acid (AMPS) increases the surface functional groups of PA6.6 fabrics. Later, the surface-modified fabrics were coated with phosphorus-containing heteroatom-based components, namely, sulfur, nitrogen, silicon, and boron, onto a single flame retardant system via layer-by-layer (LBL) deposition of positively charged chitosan/boron drop (3-aminopropyl) triethoxysilane/silicon dioxide (CS/BAPTES/SiO2) sole solution and negatively charged AP solution to enhance superior hydrophilic and durable flame retardant performance. According to the data, a weight pick-up of 56.5% is attributable to only 4 BLs. However, all the flame-retardant-coated fabrics can completely stop the melting-dripping tendency and achieve B-3 to B-2 ratings after the UL-94 vertical burning test. In addition, the LOI values of treated fabrics increase from 18.5% to 23.5% compared to a pure sample. The AMPS grafted with a 4BL-deposited fabric sample exhibits a maximum decrease in peak heat release rate (PHRR) of more than 54%. Moreover, the thermogravimetric analysis (TGA) test reveals a significant increase in thermal stability and char yield. Additionally, the as-prepared phosphorus-containing heteroatom-based coatings impart a water contact angle value of approximately 0⁰ within 2 s, demonstrating that the treated fabrics exhibit superior hydrophilic performance. Moreover, using AMPS-grafted and only 2-BL-deposited treatments improves coating stability in washing and imparts durable flame retardancy that can resist up to 20 washing cycles. It is proposed that the sustainable phosphorus-containing heteroatom-based coating may be a potentially effective replacement for existing durable flame retardants routinely used in textile finishing operations.