FHA Insured Loans in Texarkana, Arkansas
FHA Insured loans in Texarkana
The FHA Insured loan program offers 3.5% down for borrowers with 580+ credit and flexible debt-to-income allowances. In Texarkana — an Arkansas/Texas twin-city with a bi-state economy — FHA Insured financing is actively used by buyers and refinancers.
How FHA Insured works in Texarkana
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.
Texarkana market context
Texarkana is in Miller County. Buyers can access every major Arkansas mortgage program here.
2026 loan limits applicable in Texarkana
Texarkana 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
- Texarkana mortgage hub (all programs)
- Miller County mortgage hub
- First-time buyer programs in Arkansas
- Arkansas closing costs explained
First-time buyers in Texarkana
Most Texarkana first-time buyers can stack FHA Insured with ADFA Move-Up Choice pricing and ADFA Down Payment Assistance.
Talk to a licensed Texarkana originator
A licensed Arkansas loan officer familiar with FHA Insured underwriting and Texarkana 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 Texarkana, Arkansas?
FHA loans in Texarkana, Arkansas: Federal Housing Administration-insured mortgages with a 3.5% minimum down payment and 580+ credit score. The most-used program by first-time Texarkana buyers. Gift funds accepted from family. 2026 Miller County FHA limit for 1-unit homes: $524,225.
| Down payment | 3.5% |
|---|---|
| Min. credit | 580 |