FHA Insured Loans in Centerton, Arkansas
FHA Insured loans in Centerton
The FHA Insured loan program offers 3.5% down for borrowers with 580+ credit and flexible debt-to-income allowances. In Centerton — NWA’s fastest-growing small city over the past decade — FHA Insured financing is actively used by buyers and refinancers.
How FHA Insured works in Centerton
FHA MIP applies (upfront + annual). All Arkansas counties fall in the standard FHA loan-limit band for 2026 at $524,225 for a 1-unit property.
Centerton market context
Centerton is in Benton County. Buyers can access every major Arkansas mortgage program here.
2026 loan limits applicable in Centerton
Centerton is in the standard loan-limit band: FHA 1-unit limit $524,225, FHFA conforming limit $806,500.
Related resources
- FHA Insured loan overview for all of Arkansas
- Centerton mortgage hub (all programs)
- Benton County mortgage hub
- First-time buyer programs in Arkansas
- Arkansas closing costs explained
First-time buyers in Centerton
Most Centerton first-time buyers can stack FHA Insured with ADFA Move-Up Choice pricing and ADFA Down Payment Assistance.
Talk to a licensed Centerton originator
A licensed Arkansas loan officer familiar with FHA Insured underwriting and Centerton can run a pre-qualification in 24–72 hours. Start the conversation →
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.
What is an FHA loan in Centerton, Arkansas?
FHA loans in Centerton, Arkansas: 3.5% down with 580+ FICO. The most-used first-time-buyer program in Centerton. Gift funds accepted. 2026 1-unit limit: $524,225.