How an extra addition: the current valid answer about
setterm -foreground black -background white
is valid and works, it has one advantage, it allows customize any color you like, the disadvantage is that is temporal, if you run either htop or w3m <url> and exit, then the tty returns to the original setting.
if you use (according with man setterm)
setterm --inversescreen [on|off]
it applies an inversion of colors between foreground and background from white/black to black/white respectively. The advantage is that is permanent, you can run either htop or w3m <url> and exit, then the tty keeps the inverted setting yet. The disadvantage is that the colors can't be customized - it means white and black are always used