Mortgages in Hot Springs, AR
Mortgages in Hot Springs, AR
Local mortgage intel for Hot Springs, AR — programs, property taxes, school districts, affordability, and USDA eligibility checks.
Hot Springs, Arkansas mortgage overview
Hot Springs is in Garland County with a population of approximately 37,930. A resort town with a distinctive market. Second-home buyers common; lakefront property drives jumbo volume.
Loan programs active in Hot Springs
- 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 Hot Springs
Hot Springs (Garland 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 Hot Springs can stack multiple programs: federal first mortgage + ADFA Move-Up Choice + ADFA Down Payment Assistance.
Related
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Mortgage programs in Hot Springs.
Six core financing options for Hot Springs (Garland County) buyers and refinancers. Direct page for each program below.
Mortgages in Hot Springs, Arkansas
Hot Springs is the historic spa and tourism city in Garland County, home to Hot Springs National Park and a robust second-home market. All six core programs available; USDA eligibility extends to outlying neighborhoods. 2026 FHA limit: $524,225.
| County | Garland |
|---|---|
| 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.