Explore the differences! FHA VS Conventional loan programs in Fort-Smith, Sebastian County, Arkansas

In 2025, the conventional loan limit for a single-family residence in Fort-Smith, situated in Sebastian county, AR, is set at $647,200. Simultaneously, the FHA loan cap stands at $420,680.

Lendersa®'s Conventional loan calculator aids in comparing today’s rates among Conventional, FHA, and USDA loans, helping you identify necessary income, credit score, reserves, and documentation for qualification. Our advanced mortgage calculator displays Conforming Conventional loans alongside USDA, FHA, and VA options, empowering you to determine the best program in AR for your financial needs.

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Loan limits and down payment requirements in Fort-Smith, Sebastian county, AR, for 2025

Loan Type Loan Limit Down payment
Conventional Conforming $647,200 3%
USDA $285,000 0%
FHA $420,680 3.5%

This comparison is applicable to zip codes: 72901, 72904, 72908, 72903, 72923, 72916, 72905, 72906, 72913, 72914, 72917, 72918, 72919

Explore Conventional and FHA loan options in Fort-Smith, AR

Lendersa® strives to secure the best Conventional, USDA, or FHA loan for you, ensuring a swift and straightforward process. Choose from three starting paths that culminate in personalized lender and loan program matches.

USDA loan requests and match outcomes through Lendersa


  • Citizens National Bank of Texas
  • PO Box 717, Waxahachie, TX, 75168
  • We believe in mPowering our customers, the importance of giving back to the communities we serve, & we are proud to stand behind our promises. In business since 1868, we are the third oldest independent bank in Texas. With current assets over $600 million, we are 10 branches located in 7 cities: Waxahachie, Midlothian, Red Oak, Italy, Cedar Hi
  • Bison State Bank
  • 9201 Ward Parkway, Suite 210, Kansas City, MO, 64114
  • Bison State Bank blends the traditional personalized experience of your local neighborhood bank with an innovative approach, the latest technology, and the expertise of top notch banking professionals. Since 1901, our bank has been dedicated to providing an exceptional experience for our customers.
  • nbkc bank
  • 8320 Ward Parkway, Kansas City, MO, 64114
  • At nbkc, we’re making banking what it should be: simple, transparent, and free. And we’re doing it across all of our services — checkings, savings, business accounts, loans, and more. Simply said, what you see is what you get. No bank fees. No fine print. No asterisks. Just great customer service, awesome rates.
  • Your Mortgage Planner
  • 7420 Wornall, Kansas City, MO, 64114
  • Your Mortgage are a buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.
  • North Oak Investment, LLC
  • 9233 Ward Parkway Suite 220, Kansas City, MO, 64114
  • We specialize in funding both easy and hard-to-finance residential rehab projects in the Kansas City Metro area. What sets us apart from our competitors is our unique approach of funding the “deal” rather than the individual. We’ve been in the rehab lending business since 1972, and because of that, our clients know they can depend on us to understa
  • First National Bank Mortgage
  • 201 E. Debbie Ln, Mansfield, TX, 76063
  • First National Bank has been a community partner since opening our first location in Wichita Falls in 1986. In the years since, we have grown to seven banking centers and five mortgage offices. Our asset size has increased to over $892 million and we have over 150 employees in the communities we serve.
  • Minter Mortgage, Inc.
  • 2409 Hillary Trail, Mansfield, TX, 76063
  • Minter Mortgage are you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.
  • Mansfield Mortgage Company
  • 208 East Broad Street, Suite 101, Mansfield, TX, 76063
  • "At Mansfield Mortgage, we understand the home-buying experience can be both exciting and stressful. After all, it’s probably your biggest investment. Let our experts help take the stress out of the mortgage process. From application to closing, we’ll work hand in hand to make your financial decisions easier and smarter."
  • Texas People FCU
  • 4613 Wellesley Avenue, Fort Worth, TX, 76107
  • Texas and Pacific (T&P) Railway Company met to organize and found Fort Worth T&P Federal Credit Union to serve the employees of the Railway. It was the mission of our founders to “make more available to people of small means credit for provident purposes, ” and it established the institution’s firm foundation of people helping people.
  • Fort Worth City Credit Union
  • 2309 Montogomery Street, Fort Worth, TX, 76107
  • Fort Worth City Credit Union are insured by the National Credit Union Administration, which is a U.S. Government Agency. Member accounts are federally insured up to $250, 000, and are backed by the full faith and credit of the United States Government Fort Worth City Credit Union is an Equal Housing Lender.
  • Financier$ Mortgage Group, Inc.
  • 718 Boling Ranch Road, Azle, TX, 76020
  • At FINANCIER$ Mortgage Group, your Hardworking, Friendly, LOCAL, Mortgage Lender with over 35 years experience. FINANCIER$ is a Top Tier Lender which means our mortgages perform in the Top 10% nationwide. We think that’s mostly because we actually still talk to all our customers.