USDA Home Loans in Arkansas –A True $0 Down Home Loan


For many Arkansans, the dream of buying a home often seems unobtainable. Many industry experts will tell you one of the major problems in the housing market today is affordability. While that may true for some many can handle the monthly obligation but the idea of a down payment puts that dream out of reach. A USDA home loan could be the answer! This government-backed loan program which offers 100% financing, was designed for low to moderate-income families in designated areas. This loan program will allow homebuyers to purchase a home in these designated areas with zero down payment.

What is a USDA Home Loan?

The USDA (United States Department of Agriculture) home loan is that was designed for qualifying families in designated areas. The USDA Loan does not have a minimum income requirement it has a maximum income requirement based on the number of people living in the home. Backed by the USDA, this loan product has several key features:

No Down Payment – This is a true $0 down loan. It is 100% of the purchase price

Lower Interest Rates – Mortgage rates tend to be lower than the conventional rates since it's backed by the government

Low Mortgage Insurance – The USDA loan has its equivalent of mortgage insurance called a guarantee fee and it is lower than the fee charged on the FHA home loan.

Flexible Credit Requirements – Buyers with credit scores as low as 600+ may qualify

Closing Costs Can Be Rolled In – If the home appraises for enough closing costs can be rolled into the loan
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What are the Requirements for the USDA Loan?

The eligibility requirements for the USDA home loan in Arkansas, are fairly simple:

  • The home must be in a USDA-eligible area (rural or suburban).
  • Household income must be within USDA limits, which vary by county.
  • The property must be used as your primary residence (not an investment or vacation home).
  • A minimum credit score of 600 is recommended, though some lenders may allow lower scores with additional requirements.

If you want more information or want to find out if you qualify contact me today. I can help you align with a USDA lender that can quickly get you pre-approved and we can start looking for your $0 Down dream home
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USDA-Eligible Areas in Arkansas

There are many areas in Arkansas that are eligible for 100% USDA financing! The vast majority of the state qualifies. Below is a list of a few of the qualifying areas.

  • Faulkner County (Mayflower, Greenbrier, Vilonia, Wooster) – These areas are great because they have a small-town feel but are close to major areas such as Conway and Little Rock, AR.
  • White County (Searcy, Beebe) – White County is great because of the amazing school systems and Harding University is in Searcy.
  • Saline County (Benton, Haskell, Bauxite) –These areas are great because they offer a slower paced lifestyle while still being close to Bryant and Little Rock.
  • Vann Buren County (Clinton, Shirley, Greers Ferry) – This offers the full effect of the Ozark life. Year round outdoor activities.
  • Garland County (Hot Springs Village, Fountain Lake) – Near beautiful lakes and mountains.

    How to Apply for a USDA Loan

    Getting started with a USDA home loan is simple!

    1️⃣ Check your USDA eligibility – Contact us to find out if you qualify.

    2️⃣ Get pre-approved – I will connect you with a USDA Lender

    3️⃣ Find your dream home –I will help you find a qualifying home

    4️⃣ Close on your new home – Move in with no down payment required!

    Start Your Homeownership Journey Today!

    Call me today to start down the path to buying your dream home with the $0 Down USDA Home Loan. 
    Call me now at 501-951-9200 for more information 

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USDA Home Loans in Arkansas –A True $0 Down Home Loan