First-Time Home Buyer Programs in Arkansas

Get Pre-Qualified

Arkansas mortgage. Same-day reply most files.

Licensed Arkansas Originator · NMLS 252910

Arkansas Mortgage

Updated May 2026 · Reviewed by Conan Watters, Licensed Arkansas Originator · NMLS #252910

Arkansas mortgage. Same-day reply most files.

Get Pre-Qualified

Arkansas mortgage. Same-day reply most files.

What’s available

Arkansas first-time buyers can stack several programs: federal FHA (3.5% down), conventional 3%-down programs, USDA zero-down, VA zero-down for veterans, and Arkansas Development Finance Authority (ADFA) down-payment-assistance programs specifically for Arkansas buyers.

ADFA programs

ADFA’s Move-Up Choice and Down Payment Assistance programs pair with FHA, VA, USDA, or conventional first mortgages. Income and purchase-price limits apply and vary by county.

10121 N. Rodney Parham Rd, Little Rock, AR 72227|501-225-5626

Branch NMLS # 252910|Company NMLS # 3094

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OPPORTUNITY

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.