FHA Loans in Ozark, Arkansas — 3.5% Down · 580 FICO
What is an FHA loan in Ozark, Arkansas?
FHA loans in Ozark, Arkansas: 3.5% down with 580+ FICO. The most-used first-time-buyer program in Ozark. Gift funds accepted. 2026 1-unit limit: $524,225.
FHA loan eligibility in Ozark, Arkansas
FHA-insured financing is the workhorse program for Ozark first-time buyers and buyers with credit scores between 580 and 700. The minimum down payment is 3.5% (with 580+ FICO), and FHA underwriting is more flexible on debt-to-income ratios and credit history than conventional loans. Ozark is in Franklin County, Western Arkansas, and FHA financing is available on any FHA-eligible property type within the city or county.
How Ozark buyers use the FHA program
Ozark (population ~3,500) buyers commonly use FHA when they have either limited down-payment savings, a credit score under 680, or a debt-to-income ratio that pushes the limits of conventional underwriting. FHA also allows 100% gift funds for the down payment — meaning a family member can supply the entire 3.5% if the gift is properly documented. FHA mortgage insurance (MIP) is required for the life of the loan if the down payment is under 10%.
FHA loan limits in Franklin County
FHA loan limits are set annually by HUD on a county-by-county basis. For most Arkansas counties including Franklin, the FHA limit follows the standard “low-cost area” floor — currently $498,257 in 2026 for a 1-unit property. Higher-cost counties (the NWA corridor counties of Benton and Washington) carry slightly higher limits. We pull the current FHA limit for Franklin County and confirm before quoting.
Talk to a licensed Arkansas originator
The right FHA loan structure for your Ozark purchase depends on your credit, income, down payment, and the specific property — variables that can’t be answered by a calculator. We’re a licensed Arkansas originator working through Primary Residential Mortgage, Inc.: tell us your scenario and we will come back with a structured plan.
Begin a conversation · All Ozark mortgage programs · Franklin County data · Conventional as an alternative
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