Mortgages in Little Rock, AR
Mortgages in Little Rock, AR
Local mortgage intel for Little Rock, AR — programs, property taxes, school districts, affordability, and USDA eligibility checks.
Little Rock, Arkansas mortgage overview
Little Rock is in Pulaski County with a population of approximately 202,591. Arkansas's capital and largest city. UAMS medical center, federal reserve branch, and a diverse employment base anchor the market. Buyers in Little Rock have access to every mortgage program.
Loan programs active in Little Rock
- USDA Rural Development — address-level eligibility check required
- VA Home Loans — for qualifying veterans
- FHA Insured — 3.5% down, 580+ credit
- Conventional — 3% down for first-time buyers
- Jumbo
- ADFA Move-Up Choice
- HELOC
- Refinance
2026 loan limits in Little Rock
Little Rock (Pulaski County) is in the standard FHA loan limit band. The 2026 FHA one-unit limit is $524,225; the FHFA conforming limit is $806,500. VA borrowers with full entitlement face no county cap.
First-time buyer stack
First-time buyers in Little Rock can stack multiple programs: federal first mortgage + ADFA Move-Up Choice + ADFA Down Payment Assistance.
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Mortgage programs in Little Rock.
Six core financing options for Little Rock (Pulaski County) buyers and refinancers. Direct page for each program below.
Mortgages in Little Rock, Arkansas
Little Rock is the state capital and largest city in Arkansas, located in Pulaski County. Buyers have access to all six core mortgage programs — USDA Rural Development (outlying ZIPs), VA, FHA, Conventional, ADFA Move-Up, and Jumbo financing. The 2026 FHA limit for 1-unit homes in Pulaski County is $524,225.
| County | Pulaski |
|---|---|
| RegionCentral Arkansas Programs | 6 available |
| 2026 FHA limit | $524,225 |
EQUAL HOUSINGOPPORTUNITY
PRMI NMLS 3094. PRMI is an Equal Housing Lender. Some products and services may not be available in all states. Credit and collateral are subject to approval. Terms and conditions apply. Programs, rates, terms and conditions are subject to change and are subject to borrower(s) qualification. This is not a commitment to lend. The content in this website has not been approved, reviewed, sponsored or endorsed by any department or government agency.