Mortgages in Centerton, AR
Centerton, Arkansas mortgage overview
Centerton is in Benton County with a population of approximately 17,659. Fastest-growing small city in NWA over the past decade. New construction dominated.
Loan programs active in Centerton
- 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 Centerton
Centerton (Benton 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 Centerton can stack multiple programs: federal first mortgage + ADFA Move-Up Choice + ADFA Down Payment Assistance.
Related
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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.
Mortgages in Centerton, Arkansas
Centerton, Arkansas: All six core mortgage programs (USDA, VA, FHA, Conventional, ADFA Move-Up, Jumbo) are available for Centerton buyers. USDA Rural Development eligibility varies by address — outlying portions of Centerton typically qualify for zero-down USDA financing. 2026 FHA limit for 1-unit homes: $524,225.
| CityCenterton State | Arkansas |
|---|---|
| Programs | 6 available |
| 2026 FHA limit | $524,225 |