FHA Loans in Warren, Arkansas — 3.5% Down · 580 FICO
What is an FHA loan in Warren, Arkansas?
FHA loans in Warren, Arkansas: 3.5% down with 580+ FICO. The most-used first-time-buyer program in Warren. Gift funds accepted. 2026 1-unit limit: $524,225.
FHA loan eligibility in Warren, Arkansas
FHA-insured financing is the workhorse program for Warren 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. Warren is in Bradley County, Southeast Arkansas, and FHA financing is available on any FHA-eligible property type within the city or county.
How Warren buyers use the FHA program
Warren (population ~5,500) 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 Bradley County
FHA loan limits are set annually by HUD on a county-by-county basis. For most Arkansas counties including Bradley, 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 Bradley County and confirm before quoting.
Talk to a licensed Arkansas originator
The right FHA loan structure for your Warren 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 Warren mortgage programs · Bradley County data · Conventional as an alternative
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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.