Loan program
USDA Loans
Zero-down financing for lovers of rural living and small-town Arkansas communities.
- No down payment required
- Low fixed rates
- Eligible rural and suburban areas
USDA loans are low-interest, zero-down-payment mortgages backed by the U.S. Department of Agriculture. They were designed to help moderate-income families buy homes in rural and small suburban communities, and a surprising amount of Arkansas qualifies, including many areas just outside Conway.
The home has to be in a USDA-designated area and you'll need to fall within the program's income limits, but if you do, it's one of the most affordable ways to buy a home.
USDA loan benefits
No down payment
Finance 100% of the purchase price on an eligible home.
Low interest rates
USDA-guaranteed loans typically price below comparable conventional loans.
Lower mortgage insurance costs
USDA charges a small guarantee fee that is usually cheaper than FHA or conventional mortgage insurance.
Flexible credit
The program doesn't set a hard credit score minimum, and lenders can consider alternative credit history.
Who it’s a good fit for
- Buyers purchasing in eligible rural or small-town areas across Arkansas
- Households within USDA income limits for the county
- Families who want a zero-down option but aren't eligible for a VA loan
Is the home eligible?
Eligibility is based on the property's location and your household income. Give us the address and we'll check the USDA map for you, usually the same day.
Common questions
How do I know if an area is USDA eligible?
The USDA publishes an eligibility map by address. Many communities in Faulkner, Conway, Perry, Van Buren, and Cleburne counties qualify. Send us an address and we'll check it for you.
Are there income limits?
Yes. USDA sets household income limits by county and household size. We'll confirm the current limit for the area you're shopping in.
Can I buy a manufactured home with a USDA loan?
In some cases, yes, if the home is new and meets USDA requirements. Ask us about the specifics before you make an offer.
Ready to explore a usda loan?
Tell us a little about your plans and a local loan originator will compare your options across our lender network. It's free, and there's never any pressure.