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 USDA loans 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 usda 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:

Quick Scroll
STATE:ARKANSAS PROGRAM 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
Fayetteville-Springdale-Rogers, AR HUD Metro FMR Area 		VERY LOW INCOME 32950 32950 32950 32950 43500 43500 43500 43500
Apply Now LOW INCOME 52700 52700 52700 52700 69550 69550 69550 69550
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Fort Smith, AR-OK HUD Metro FMR Area 		VERY LOW INCOME 26450 26450 26450 26450 34950 34950 34950 34950
Apply Now LOW INCOME 42300 42300 42300 42300 55850 55850 55850 55850
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Hot Springs, AR MSA 		VERY LOW INCOME 27200 27200 27200 27200 35950 35950 35950 35950
Apply Now LOW INCOME 43500 43500 43500 43500 57400 57400 57400 57400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Jonesboro, AR HUD Metro FMR Area 		VERY LOW INCOME 28100 28100 28100 28100 37100 37100 37100 37100
Apply Now LOW INCOME 44950 44950 44950 44950 59350 59350 59350 59350
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Poinsett County, AR HUD Metro FMR Area 		VERY LOW INCOME 24100 24100 24100 24100 31850 31850 31850 31850
Apply Now LOW INCOME 38550 38550 38550 38550 50900 50900 50900 50900
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Grant County, AR HUD Metro FMR Area 		VERY LOW INCOME 31550 31550 31550 31550 41650 41650 41650 41650
Apply Now LOW INCOME 50500 50500 50500 50500 66650 66650 66650 66650
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Little Rock-North Little Rock-Conway, AR HUD Metro FMR Area 		VERY LOW INCOME 33150 33150 33150 33150 43800 43800 43800 43800
Apply Now LOW INCOME 53050 53050 53050 53050 70050 70050 70050 70050
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Memphis, TN-MS-AR HUD Metro FMR Area 		VERY LOW INCOME 32100 32100 32100 32100 42400 42400 42400 42400
Apply Now LOW INCOME 51350 51350 51350 51350 67800 67800 67800 67800
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Pine Bluff, AR MSA 		VERY LOW INCOME 24500 24500 24500 24500 32350 32350 32350 32350
Apply Now LOW INCOME 39200 39200 39200 39200 51750 51750 51750 51750
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Little River County, AR HUD Metro FMR Area 		VERY LOW INCOME 26200 26200 26200 26200 34600 34600 34600 34600
Apply Now LOW INCOME 41900 41900 41900 41900 55300 55300 55300 55300
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Texarkana, TX-Texarkana, AR HUD Metro FMR Area 		VERY LOW INCOME 28250 28250 28250 28250 37300 37300 37300 37300
Apply Now LOW INCOME 45200 45200 45200 45200 59650 59650 59650 59650
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Arkansas County, AR 		VERY LOW INCOME 26600 26600 26600 26600 35150 35150 35150 35150
Apply Now LOW INCOME 42550 42550 42550 42550 56150 56150 56150 56150
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Ashley County, AR 		VERY LOW INCOME 25600 25600 25600 25600 33800 33800 33800 33800
Apply Now LOW INCOME 40950 40950 40950 40950 54050 54050 54050 54050
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Baxter County, AR 		VERY LOW INCOME 24400 24400 24400 24400 32250 32250 32250 32250
Apply Now LOW INCOME 39050 39050 39050 39050 51550 51550 51550 51550
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Boone County, AR 		VERY LOW INCOME 25300 25300 25300 25300 33400 33400 33400 33400
Apply Now LOW INCOME 40500 40500 40500 40500 53450 53450 53450 53450
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Bradley County, AR 		VERY LOW INCOME 24100 24100 24100 24100 31850 31850 31850 31850
Apply Now LOW INCOME 38550 38550 38550 38550 50900 50900 50900 50900
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Calhoun County, AR 		VERY LOW INCOME 24600 24600 24600 24600 32500 32500 32500 32500
Apply Now LOW INCOME 39350 39350 39350 39350 51950 51950 51950 51950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Carroll County, AR 		VERY LOW INCOME 24100 24100 24100 24100 31850 31850 31850 31850
Apply Now LOW INCOME 38550 38550 38550 38550 50900 50900 50900 50900
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Chicot County, AR 		VERY LOW INCOME 24100 24100 24100 24100 31850 31850 31850 31850
Apply Now LOW INCOME 38550 38550 38550 38550 50900 50900 50900 50900
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Clark County, AR 		VERY LOW INCOME 26750 26750 26750 26750 35350 35350 35350 35350
Apply Now LOW INCOME 42800 42800 42800 42800 56500 56500 56500 56500
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Clay County, AR 		VERY LOW INCOME 24100 24100 24100 24100 31850 31850 31850 31850
Apply Now LOW INCOME 38550 38550 38550 38550 50900 50900 50900 50900
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Cleburne County, AR 		VERY LOW INCOME 27550 27550 27550 27550 36400 36400 36400 36400
Apply Now LOW INCOME 44100 44100 44100 44100 58200 58200 58200 58200
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Columbia County, AR 		VERY LOW INCOME 26850 26850 26850 26850 35450 35450 35450 35450
Apply Now LOW INCOME 42950 42950 42950 42950 56700 56700 56700 56700
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Conway County, AR 		VERY LOW INCOME 25850 25850 25850 25850 34150 34150 34150 34150
Apply Now LOW INCOME 41350 41350 41350 41350 54600 54600 54600 54600
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Cross County, AR 		VERY LOW INCOME 25750 25750 25750 25750 34000 34000 34000 34000
Apply Now LOW INCOME 41200 41200 41200 41200 54400 54400 54400 54400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Dallas County, AR 		VERY LOW INCOME 24550 24550 24550 24550 32450 32450 32450 32450
Apply Now LOW INCOME 39300 39300 39300 39300 51900 51900 51900 51900
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Desha County, AR 		VERY LOW INCOME 24100 24100 24100 24100 31850 31850 31850 31850
Apply Now LOW INCOME 38550 38550 38550 38550 50900 50900 50900 50900
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Drew County, AR 		VERY LOW INCOME 24100 24100 24100 24100 31850 31850 31850 31850
Apply Now LOW INCOME 38550 38550 38550 38550 50900 50900 50900 50900
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Franklin County, AR 		VERY LOW INCOME 24100 24100 24100 24100 31850 31850 31850 31850
Apply Now LOW INCOME 38550 38550 38550 38550 50900 50900 50900 50900
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Fulton County, AR 		VERY LOW INCOME 24100 24100 24100 24100 31850 31850 31850 31850
Apply Now LOW INCOME 38550 38550 38550 38550 50900 50900 50900 50900
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Greene County, AR 		VERY LOW INCOME 27450 27450 27450 27450 36250 36250 36250 36250
Apply Now LOW INCOME 43900 43900 43900 43900 57950 57950 57950 57950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Hempstead County, AR 		VERY LOW INCOME 24100 24100 24100 24100 31850 31850 31850 31850
Apply Now LOW INCOME 38550 38550 38550 38550 50900 50900 50900 50900
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Hot Spring County, AR 		VERY LOW INCOME 25650 25650 25650 25650 33900 33900 33900 33900
Apply Now LOW INCOME 41050 41050 41050 41050 54200 54200 54200 54200
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Howard County, AR 		VERY LOW INCOME 24100 24100 24100 24100 31850 31850 31850 31850
Apply Now LOW INCOME 38550 38550 38550 38550 50900 50900 50900 50900
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Independence County, AR 		VERY LOW INCOME 24100 24100 24100 24100 31850 31850 31850 31850
Apply Now LOW INCOME 38550 38550 38550 38550 50900 50900 50900 50900
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Izard County, AR 		VERY LOW INCOME 24100 24100 24100 24100 31850 31850 31850 31850
Apply Now LOW INCOME 38550 38550 38550 38550 50900 50900 50900 50900
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Jackson County, AR 		VERY LOW INCOME 24100 24100 24100 24100 31850 31850 31850 31850
Apply Now LOW INCOME 38550 38550 38550 38550 50900 50900 50900 50900
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Johnson County, AR 		VERY LOW INCOME 24100 24100 24100 24100 31850 31850 31850 31850
Apply Now LOW INCOME 38550 38550 38550 38550 50900 50900 50900 50900
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Lafayette County, AR 		VERY LOW INCOME 24100 24100 24100 24100 31850 31850 31850 31850
Apply Now LOW INCOME 38550 38550 38550 38550 50900 50900 50900 50900
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Lawrence County, AR 		VERY LOW INCOME 24100 24100 24100 24100 31850 31850 31850 31850
Apply Now LOW INCOME 38550 38550 38550 38550 50900 50900 50900 50900
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Lee County, AR 		VERY LOW INCOME 24100 24100 24100 24100 31850 31850 31850 31850
Apply Now LOW INCOME 38550 38550 38550 38550 50900 50900 50900 50900
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Logan County, AR 		VERY LOW INCOME 25250 25250 25250 25250 33350 33350 33350 33350
Apply Now LOW INCOME 40400 40400 40400 40400 53350 53350 53350 53350
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Marion County, AR 		VERY LOW INCOME 24100 24100 24100 24100 31850 31850 31850 31850
Apply Now LOW INCOME 38550 38550 38550 38550 50900 50900 50900 50900
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Mississippi County, AR 		VERY LOW INCOME 24100 24100 24100 24100 31850 31850 31850 31850
Apply Now LOW INCOME 38550 38550 38550 38550 50900 50900 50900 50900
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Monroe County, AR 		VERY LOW INCOME 24100 24100 24100 24100 31850 31850 31850 31850
Apply Now LOW INCOME 38550 38550 38550 38550 50900 50900 50900 50900
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Montgomery County, AR 		VERY LOW INCOME 24150 24150 24150 24150 31900 31900 31900 31900
Apply Now LOW INCOME 38650 38650 38650 38650 51000 51000 51000 51000
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Nevada County, AR 		VERY LOW INCOME 24800 24800 24800 24800 32750 32750 32750 32750
Apply Now LOW INCOME 39700 39700 39700 39700 52400 52400 52400 52400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Newton County, AR 		VERY LOW INCOME 24100 24100 24100 24100 31850 31850 31850 31850
Apply Now LOW INCOME 38550 38550 38550 38550 50900 50900 50900 50900
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Ouachita County, AR 		VERY LOW INCOME 24100 24100 24100 24100 31850 31850 31850 31850
Apply Now LOW INCOME 38550 38550 38550 38550 50900 50900 50900 50900
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Phillips County, AR 		VERY LOW INCOME 24100 24100 24100 24100 31850 31850 31850 31850
Apply Now LOW INCOME 38550 38550 38550 38550 50900 50900 50900 50900
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Pike County, AR 		VERY LOW INCOME 24100 24100 24100 24100 31850 31850 31850 31850
Apply Now LOW INCOME 38550 38550 38550 38550 50900 50900 50900 50900
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Polk County, AR 		VERY LOW INCOME 24100 24100 24100 24100 31850 31850 31850 31850
Apply Now LOW INCOME 38550 38550 38550 38550 50900 50900 50900 50900
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Pope County, AR 		VERY LOW INCOME 25900 25900 25900 25900 34200 34200 34200 34200
Apply Now LOW INCOME 41450 41450 41450 41450 54700 54700 54700 54700
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Prairie County, AR 		VERY LOW INCOME 24100 24100 24100 24100 31850 31850 31850 31850
Apply Now LOW INCOME 38550 38550 38550 38550 50900 50900 50900 50900
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Randolph County, AR 		VERY LOW INCOME 24650 24650 24650 24650 32550 32550 32550 32550
Apply Now LOW INCOME 39450 39450 39450 39450 52050 52050 52050 52050
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Scott County, AR 		VERY LOW INCOME 24100 24100 24100 24100 31850 31850 31850 31850
Apply Now LOW INCOME 38550 38550 38550 38550 50900 50900 50900 50900
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Searcy County, AR 		VERY LOW INCOME 24100 24100 24100 24100 31850 31850 31850 31850
Apply Now LOW INCOME 38550 38550 38550 38550 50900 50900 50900 50900
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Sevier County, AR 		VERY LOW INCOME 24400 24400 24400 24400 32250 32250 32250 32250
Apply Now LOW INCOME 39050 39050 39050 39050 51550 51550 51550 51550
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Sharp County, AR 		VERY LOW INCOME 24100 24100 24100 24100 31850 31850 31850 31850
Apply Now LOW INCOME 38550 38550 38550 38550 50900 50900 50900 50900
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
St. Francis County, AR 		VERY LOW INCOME 24100 24100 24100 24100 31850 31850 31850 31850
Apply Now LOW INCOME 38550 38550 38550 38550 50900 50900 50900 50900
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Stone County, AR 		VERY LOW INCOME 24100 24100 24100 24100 31850 31850 31850 31850
Apply Now LOW INCOME 38550 38550 38550 38550 50900 50900 50900 50900
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Union County, AR 		VERY LOW INCOME 25900 25900 25900 25900 34200 34200 34200 34200
Apply Now LOW INCOME 41450 41450 41450 41450 54700 54700 54700 54700
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Van Buren County, AR 		VERY LOW INCOME 24100 24100 24100 24100 31850 31850 31850 31850
Apply Now LOW INCOME 38550 38550 38550 38550 50900 50900 50900 50900
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
White County, AR 		VERY LOW INCOME 28250 28250 28250 28250 37300 37300 37300 37300
Apply Now LOW INCOME 45200 45200 45200 45200 59650 59650 59650 59650
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Woodruff County, AR 		VERY LOW INCOME 24100 24100 24100 24100 31850 31850 31850 31850
Apply Now LOW INCOME 38550 38550 38550 38550 50900 50900 50900 50900
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Yell County, AR 		VERY LOW INCOME 24100 24100 24100 24100 31850 31850 31850 31850
Apply Now LOW INCOME 38550 38550 38550 38550 50900 50900 50900 50900
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150

 

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