In light of recent economic troubles, Consumer Real Estate Finance Co. realizes that phrases like “no money down,” and “low interest loans” can be frightening. This is why we are working diligently to bring awareness to the USDA Home Loan program. With the power and reliability of United States Department of Agriculture behind it, this loan program is helping to make home buying easy and affordable in Arkansas.

Backed by the USDA, Arkansas residents can experience the many benefits of a rural development loan, including:

  • 100% Financing up to the appraised value
  • NO private mortgage insurance for qualifying Arkansas homes
  • Flexible Arkansas credit qualifications
  • No Arkansas loan amount limitations

Arkansas Areas that Qualify for a USDA Loan

Keep in mind that the USDA loan program was created to help build the nation’s rural areas. Because of this, homes located within major cities are not USDA Loan Eligible.

The good news is that there are a surprisingly large number of Arkansas homes that do qualify, some of which lie just outside of major metropolitan areas. To be eligible, the Arkansas property must be outside of city limits and located in an area of less than 20,000 residents. For more information on Arkansas USDA Loan eligibility requirements, please fill out the application on this page, or call one of our certified USDA loan agents at 1-866-854-4242.

Arkansas’s USDA Loan Income Limits by County

While Consumer Real Estate Finance Co. is here to assist you with all your questions and guide you through the application process, you should be aware that there are a few eligibility restrictions. These include a credit evaluation as well as a maximum income limit.

Your annual income cannot exceed the limit set for your county:

STATE:ARKANSAS PROGRAM 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
Franklin County AR HUD Metro FMR Area VERY LOW INCOME 16100 18400 20700 23000 24850 26700 28500 30350
LOW INCOME 25750 29450 33100 36800 39750 42700 45650 48600
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Hot Springs AR MSA VERY LOW INCOME 17300 19800 22250 24700 26700 28700 30650 32650
LOW INCOME 27650 31600 35550 39500 42650 45800 49000 52150
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Poinsett County AR HUD Metro FMR Area VERY LOW INCOME 15750 18000 20250 22500 24300 26100 27900 29700
LOW INCOME 25200 28800 32400 36000 38900 41750 44650 47500
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Grant County AR HUD Metro FMR Area VERY LOW INCOME 21900 25000 28150 31250 33750 36250 38750 41250
LOW INCOME 35000 40000 45000 50000 54000 58000 62000 66000
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Little Rock-North Little Rock-Conway AR VERY LOW INCOME 21850 24950 28050 31150 33650 36150 38650 41150
LOW INCOME 34900 39900 44850 49850 53850 57850 61800 65800
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Pine Bluff AR MSA VERY LOW INCOME 17000 19400 21850 24250 26200 28150 30100 32050
LOW INCOME 27150 31050 34900 38800 41900 45000 48100 51200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Texarkana TX-TexarkanaAR MSA VERY LOW INCOME 19050 21800 24500 27200 29400 31600 33750 35950
LOW INCOME 30450 34800 39150 43500 47000 50450 53950 57400
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Arkansas County AR VERY LOW INCOME 18300 20900 23500 26100 28200 30300 32400 34500
LOW INCOME 29250 33400 37600 41750 45100 48450 51750 55100
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Ashley County AR VERY LOW INCOME 17500 20000 22500 24950 26950 28950 30950 32950
LOW INCOME 27950 31900 35900 39900 43100 46300 49500 52650
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Baxter County AR VERY LOW INCOME 16150 18450 20750 23050 24900 26750 28600 30450
LOW INCOME 25850 29500 33200 36900 39850 42800 45750 48700
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Boone County AR VERY LOW INCOME 17350 19800 22300 24750 26750 28750 30700 32700
LOW INCOME 27700 31700 35650 39600 42750 45950 49100 52250
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Bradley County AR VERY LOW INCOME 15750 18000 20250 22500 24300 26100 27900 29700
LOW INCOME 25200 28800 32400 36000 38900 41750 44650 47500
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Calhoun County AR VERY LOW INCOME 15750 18000 20250 22500 24300 26100 27900 29700
LOW INCOME 25200 28800 32400 36000 38900 41750 44650 47500
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Carroll County AR VERY LOW INCOME 15750 18000 20250 22500 24300 26100 27900 29700
LOW INCOME 25200 28800 32400 36000 38900 41750 44650 47500
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Chicot County AR VERY LOW INCOME 15750 18000 20250 22500 24300 26100 27900 29700
LOW INCOME 25200 28800 32400 36000 38900 41750 44650 47500
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Clark County AR VERY LOW INCOME 17650 20200 22700 25200 27250 29250 31250 33300
LOW INCOME 28200 32250 36250 40300 43500 46750 49950 53200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Clay County AR VERY LOW INCOME 15750 18000 20250 22500 24300 26100 27900 29700
LOW INCOME 25200 28800 32400 36000 38900 41750 44650 47500
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Cleburne County AR VERY LOW INCOME 17400 19850 22350 24800 26800 28800 30800 32750
LOW INCOME 27800 31750 35750 39700 42900 46050 49250 52400
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Columbia County AR VERY LOW INCOME 17450 19950 22450 24900 26900 28900 30900 32900
LOW INCOME 27900 31900 35850 39850 43050 46250 49400 52600
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Conway County AR VERY LOW INCOME 17900 20450 23000 25550 27600 29650 31700 33750
LOW INCOME 28650 32700 36800 40900 44150 47450 50700 54000
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Cross County AR VERY LOW INCOME 17050 19500 21950 24350 26300 28250 30200 32150
LOW INCOME 27250 31150 35050 38950 42050 45200 48300 51400
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Dallas County AR VERY LOW INCOME 15750 18000 20250 22500 24300 26100 27900 29700
LOW INCOME 25200 28800 32400 36000 38900 41750 44650 47500
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Desha County AR VERY LOW INCOME 15950 18200 20500 22750 24600 26100 27900 29700
LOW INCOME 25500 29100 32750 36400 39300 41750 44650 47500
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Drew County AR VERY LOW INCOME 16650 19000 21400 23750 25650 28050 29950 31900
LOW INCOME 26600 30400 34200 38000 41050 44850 47950 51000
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Fulton County AR VERY LOW INCOME 15750 18000 20250 22500 24300 28800 30800 32750
LOW INCOME 25200 28800 32400 36000 38900 46050 49250 52400
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Greene County AR VERY LOW INCOME 17500 20000 22500 25000 27000 26100 27900 29700
LOW INCOME 28000 32000 36000 40000 43200 41750 44650 47500
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Hempstead CountyAR VERY LOW INCOME 15950 18200 20500 22750 24600 27000 28850 30700
LOW INCOME 25500 29100 32750 36400 39300 43150 46150 49100
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Hot Spring County AR VERY LOW INCOME 17250 19700 22150 24600 26600 26100 27900 29700
LOW INCOME 27550 31500 35400 39350 42500 41750 44650 47500
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Howard County AR VERY LOW INCOME 15750 18000 20250 22500 24300 26100 27900 29700
LOW INCOME 25200 28800 32400 36000 38900 41750 44650 47500
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Independence County AR VERY LOW INCOME 16900 19300 21700 24100 26050 26100 27900 29700
LOW INCOME 27000 30850 34700 38550 41650 41750 44650 47500
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Izard County AR VERY LOW INCOME 15750 18000 20250 22500 24300 28550 30550 32500
LOW INCOME 25200 28800 32400 36000 38900 45650 48800 51950
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Jackson County AR VERY LOW INCOME 15750 18000 20250 22500 24300 26100 27900 29700
LOW INCOME 25200 28800 32400 36000 38900 41750 44650 47500
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Johnson County AR VERY LOW INCOME 15750 18000 20250 22500 24300 26100 27900 29700
LOW INCOME 25200 28800 32400 36000 38900 41750 44650 47500
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Lafayette County AR VERY LOW INCOME 15750 18000 20250 22500 24300 26100 27900 29700
LOW INCOME 25200 28800 32400 36000 38900 41750 44650 47500
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Lawrence County AR VERY LOW INCOME 15750 18000 20250 22500 24300 26100 27900 29700
LOW INCOME 25200 28800 32400 36000 38900 41750 44650 47500
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Lee County AR VERY LOW INCOME 15750 18000 20250 22500 24300 26100 27900 29700
LOW INCOME 25200 28800 32400 36000 38900 41750 44650 47500
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Little River CountyAR VERY LOW INCOME 17750 20250 22800 25300 27350 29350 31400 33400
LOW INCOME 28350 32400 36450 40500 43750 47000 50200 53450
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Logan County AR VERY LOW INCOME 17700 20200 22750 25250 27300 29300 31350 33350
LOW INCOME 28300 32300 36350 40400 43650 46850 50100 53350
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Marion County AR VERY LOW INCOME 15750 18000 20250 22500 24300 26100 27900 29700
LOW INCOME 25200 28800 32400 36000 38900 41750 44650 47500
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Mississippi County AR VERY LOW INCOME 15750 18000 20250 22500 24300 26100 27900 29700
LOW INCOME 25200 28800 32400 36000 38900 41750 44650 47500
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Monroe County AR VERY LOW INCOME 15750 18000 20250 22500 24300 26100 27900 29700
LOW INCOME 25200 28800 32400 36000 38900 41750 44650 47500
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Montgomery County AR VERY LOW INCOME 16950 19350 21750 24150 26100 28050 29950 31900
LOW INCOME 27050 30900 34800 38650 41750 44850 47950 51000
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Nevada County AR VERY LOW INCOME 17400 19850 22350 24800 26800 28800 30800 32750
LOW INCOME 27800 31750 35750 39700 42900 46050 49250 52400
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Newton County AR VERY LOW INCOME 15750 18000 20250 22500 24300 26100 27900 29700
LOW INCOME 25200 28800 32400 36000 38900 41750 44650 47500
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Ouachita County AR VERY LOW INCOME 16300 18600 20950 23250 25150 27000 28850 30700
LOW INCOME 26050 29750 33500 37200 40200 43150 46150 49100
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Phillips County AR VERY LOW INCOME 15750 18000 20250 22500 24300 26100 27900 29700
LOW INCOME 25200 28800 32400 36000 38900 41750 44650 47500
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Pike County AR VERY LOW INCOME 15750 18000 20250 22500 24300 26100 27900 29700
LOW INCOME 25200 28800 32400 36000 38900 41750 44650 47500
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Polk County AR VERY LOW INCOME 15750 18000 20250 22500 24300 26100 27900 29700
LOW INCOME 25200 28800 32400 36000 38900 41750 44650 47500
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Pope County AR VERY LOW INCOME 17250 19700 22150 24600 26600 28550 30550 32500
LOW INCOME 27550 31500 35400 39350 42500 45650 48800 51950
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Prairie County AR VERY LOW INCOME 16050 18350 20650 22950 24800 26600 28450 30300
LOW INCOME 25700 29350 33050 36700 39650 42550 45500 48450
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Randolph County AR VERY LOW INCOME 17050 19450 21900 24300 26250 28200 30150 32100
LOW INCOME 27250 31100 35000 38900 42000 45100 48250 51350
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Scott County AR VERY LOW INCOME 15750 18000 20250 22500 24300 26100 27900 29700
LOW INCOME 25200 28800 32400 36000 38900 41750 44650 47500
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Searcy County AR VERY LOW INCOME 15750 18000 20250 22500 24300 26100 27900 29700
LOW INCOME 25200 28800 32400 36000 38900 41750 44650 47500
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Sevier County AR VERY LOW INCOME 15750 18000 20250 22500 24300 26100 27900 29700
LOW INCOME 25200 28800 32400 36000 38900 41750 44650 47500
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Sharp County AR VERY LOW INCOME 15750 18000 20250 22500 24300 26100 27900 29700
LOW INCOME 25200 28800 32400 36000 38900 41750 44650 47500
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
St. Francis CountyAR VERY LOW INCOME 15750 18000 20250 22500 24300 26100 27900 29700
LOW INCOME 25200 28800 32400 36000 38900 41750 44650 47500
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Stone County AR VERY LOW INCOME 15750 18000 20250 22500 24300 26100 27900 29700
LOW INCOME 25200 28800 32400 36000 38900 41750 44650 47500
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Union County AR VERY LOW INCOME 17250 19700 22150 24600 26600 28550 30550 32500
LOW INCOME 27550 31500 35400 39350 42500 45650 48800 51950
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Van Buren County AR VERY LOW INCOME 15750 18000 20250 22500 24300 26100 27900 29700
LOW INCOME 25200 28800 32400 36000 38900 41750 44650 47500
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
White County AR VERY LOW INCOME 18050 20600 23200 25750 27850 29900 31950 34000
LOW INCOME 28850 32950 37100 41200 44500 47800 51100 54400
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Woodruff County AR VERY LOW INCOME 15750 18000 20250 22500 24300 26100 27900 29700
LOW INCOME 25200 28800 32400 36000 38900 41750 44650 47500
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Yell County AR VERY LOW INCOME 15750 18000 20250 22500 24300 26100 27900 29700
LOW INCOME 25200 28800 32400 36000 38900 41750 44650 47500
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650

 

Remember, Consumer Real Estate Finance Co. is here to answer all your questions. For help applying for an Arkansas USDA Loan, contact us today.