Mortgages in West Memphis, AR
West Memphis, Arkansas mortgage overview
West Memphis is in Crittenden County with a population of approximately 24,520. Across the Mississippi River from Memphis, TN. Distribution and logistics hub.
Loan programs active in West Memphis
- 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 West Memphis
West Memphis (Crittenden 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 West Memphis 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 West Memphis, Arkansas
West Memphis, Arkansas: All six core mortgage programs (USDA, VA, FHA, Conventional, ADFA Move-Up, Jumbo) are available for West Memphis buyers. USDA Rural Development eligibility varies by address — outlying portions of West Memphis typically qualify for zero-down USDA financing. 2026 FHA limit for 1-unit homes: $524,225.
| CityWest Memphis State | Arkansas |
|---|---|
| Programs | 6 available |
| 2026 FHA limit | $524,225 |