Explore the differences! FHA VS Conventional loan programs in Hot-Springs, Garland County, Arkansas

In 2025, the Conventional loan cap in Hot-Springs, a region in Garland county, AR, is $647,200, while for a single-family home, the FHA limit stands at $420,680.

Explore the Lendersa® Conventional loan calculator to assess the top current rates for Conventional, FHA, and USDA loans. Use this tool to understand necessary income, credit qualifications, reserves, and document requirements needed for eligibility. Our advanced mortgage calculator lets you view Conforming Conventional loans, USDA, FHA, and VA options side by side, so you can decide which program is best for your specific financial situation in AR.

Browse loan offers from a pool of 100 lenders

Loan Limits and Down Payment Conditions for 2025 in Hot-Springs, Garland, AR

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

This comparison table is relevant for the zip codes: 71901, 71913, 71902, 71914

Discover Conventional and FHA Loan Offers in Hot-Springs, AR

Lendersa® aims to swiftly provide you with the best Conventional, USDA, or FHA loan options, ensuring simplicity and efficiency. Select from three starting pathways designed to produce ideal matches with lenders and loan programs.

Lendersa's USDA loan request and matching results


  • Bank Independent
  • 710 S Montgomery Ave, Sheffield, AL, 35660
  • Bank Independent is a locally owned community Bank committed to making a positive difference in people's lives. We've served the financial needs of folks across North Alabama since 1947 and have grown to become a highly-rated and well-respected $2.1 billion Bank. We couldn't be where we are today without our team members
  • The Bank of San Jacinto County, Coldspring, Texas
  • 100 Hwy 150, Coldspring, TX, 77331
  • The Bank of San Jacinto County is a community bank in every sense of the word. Our management and ownership is from here, and lives here. When you open an account or apply for a loan, nothing gets sent off to another corporate office, and chances are, you don’t live far from where your banker lives. We know our customers.
  • Signet Federal Credit Union
  • 1600 Clark Street, Paducah, KY, 42003
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  • Community Bank of Pleasant Hill
  • 2401 North Highway 7, Pleasant Hill, MO, 64080
  • Our Mission at Community Bank of Pleasant Hill is to provide shareholder value by offering safe and sound financial solutions to consumers and businesses in our community through innovative, quality products, and superior client service. We build value with a responsive, knowledgeable, and professional staff in a friendly environment.
  • Rayne Building & Loan Association
  • 200 North Adams Avenue, Rayne, LA, 70578
  • Rayne Building and Loan Association’s mission is to provide personalized banking solutions for every stage of life with ongoing customer satisfaction in a range of products and services. RBL's focus on supporting the development of homes, communities and neighborhoods has been engrained in our culture since the beginning.
  • The Citizens Bank of Fayette
  • 100 Temple Avenue South, Fayette, AL, 35555
  • In 1911, a fire swept through downtown Fayette, destroying most of the town. During the rebuilding, a business emerged. The State Bank and Trust Company, opened its doors in 1913. It adopted its current name, The Citizens Bank of Fayette in 1919. Founded by Thomas Henry Robertson, Sr, The Citizens Bank has been led by three generations
  • Bank Star One
  • 1999 W. Osage, Pacific, MO, 63069
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  • First State Bank
  • PO Box 827, Anadarko, OK, 73005
  • First State Bank, Anadarko was established in 1909. The bank has grown every year since that time and continues to grow today. After all those years we are still the only "locally" owned bank in this community. The banking industry has changed a lot over these many years and we have changed to face the electronic age head on,
  • Cooperative Employees Credit Union
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  • Cooperative Employees’ Credit Union (CECU) conducts business for the benefit of its member-owners. CECU provides a full spectrum of quality financial products that create opportunities for its members’ financial growth and stability. The Credit Union will earn and be worthy of our members’ trust by being fair, empathetic
  • MSU Federal Credit Union
  • 202 General Services Building, Murray, KY, 42071
  • MSU Federal Credit Union was established in 1978, we are the longest standing financial institution in Calloway County Kentucky. We have a wide variety of financial services to help meet our members short term and long term financial goals. We proudly serve employees and family members of Murray State University
  • Global Mortgage Link LLC
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  • "We're committed to helping you: simplifying the process of securing a mortgage by providing guidance and personalized service. ""Let our door open yours."" There’s no doubt that buying a house for the first time can be stressful. You need a ton of documents that you probably do not keep on hand."
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  • 704 Mayflower Street, Baton Rouge, LA, 70802
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