FHA VS Conventional loan programs in 2026 for Springdale, Washington County, Arkansas

For 2026, in Springdale, found within the county of Washington, AR, the conventional loan limit for a single-family residence is set at $726,200. In contrast, the FHA threshold is $472,030.

Leverage the Lendersa® Conventional loan calculator to compare the prevailing rates of Conventional loans alongside FHA and USDA options. Determine the income, creditworthiness, reserves, and required documentation for eligibility. With our sophisticated mortgage calculator, observe Conforming Conventional loans, USDA, FHA, and VA in parallel to discern which option suits your financial situation best in AR.

Evaluate offers from a pool of 100 lenders

Outline of 2026 loan limits and down payment terms in Springdale, within Washington Cty, AR

Loan Type Loan Limit Down payment
Conventional Conforming $726,200 3%
USDA $336,500 0%
FHA $472,030 3.5%

This comparison table is relevant to zip codes: 72764

Conventional and FHA lending options in Springdale, AR

The aim of Lendersa® is to swiftly and efficiently secure the optimal Conventional, USDA, or FHA loan for you, minimizing any inconvenience. Choose from three initial pathways to align with lenders and appropriate loan programs.

USDA loan request and match results provided by Lendersa


  • Mann Mortgage Lake Oswego
  • 15540 Boones Ferry Rd, Lake Oswego, OR, 97035
  • Mann Mortgage is a family-owned company that emphasizes community relationships, honesty, and integrity. Since our founding in 1989 by Don Mann, Mann Mortgage has been dedicated to cultivating trust and practicing responsible lending principles. For 30 years As a company, we are committed to hometown values

  • Northwest Private Lending
  • 5335 Meadows Rd, Suite 380, Lake Oswego, OR, 97035
  • Northwest Private Lending is a Portland-based private lender specializing in hard money or “collateral based loans.” We have over 20-years of lending experience in Oregon and Washington. Our primary focus is to offer creative lending solutions to borrowers who either own real estate or seek to acquire new investment real estate.

  • Alliance Commercial Credit Group
  • 8002 NE Highway, Suite 503, Vancouver, WA, 98665
  • Since 1995, Alliance Commercial Credit Group has specialized in providing alternative financing to companies throughout the Western United States. Guided by its founder, Suzy Oubre, the company has placed more than $75 million in financing to more than 100 companies in virtually every industry group.

  • United Trades FCU
  • 20210 SW Teton Avenue, Tualatin, OR, 97062
  • Since our start in 1955 by the steamfitters’ union, United Trades Federal Credit Union in the Pacific Northwest has been devoted to skilled trades unions workers. We’re like other credit unions in that we serve a defined “field of membership, ” but where we do differ is in how we serve them.

  • All Pacific Mortgage
  • 8100 SW Nyberg Rd, Suite 295, Tualatin, OR, 97062
  • Our purpose is to inspire the world of homeowners. We are committed to making our clients and partners feel safe and secure throughout the loan process. We do this by emphasizing the importance of great communication, education, and responsiveness in today’s mortgage and real estate world.

  • Value Mortgage Inc
  • 8695 SW Chinook St, Tualatin, OR, 97062
  • We are locally owned, operated and licensed in Oregon, Washington and California. Our mortgage brokers use lending services from hundreds of wholesale banks and mortgage companies. We continually update our database to stay ahead of our competitors. At Value Mortgage Inc., value each and every one of our clients

  • Belay Mortgage Group Inc
  • 316 E Fourth Plain Blvd, Suite E, Vancouver, WA, 98663
  • "Belay Mortgage Group is a boutique local mortgage broker licensed in Washington, Oregon and California. We have options to finance with conventional (QM and non QM loans), construction, VA, FHA, USDA. We are a full service brokerage.

    Licensed under: Oregon Mortgage Lending License ML-5695; Washington Mortgage Broker's Practices Act MB-1737549

  • Greater Oregon Mortgage Company
  • 6840 Sw Fernbrook Ct, Wilsonville, OR, 97070
  • Greater Oregon Mortgage Company offers a wide range of residential mortgage loan products to meet your financial needs and circumstances. Whether you’re a first-time buyer or seasoned investment property owner, I’m here to guide you through the process. Feel free to contact me so we can discuss what loan programs are best for your situation.

  • Kahren Oxner at UMortgage
  • 25195 SW Parkway Ave, Suite 204, Wilsonville, OR, 97070
  • Kahren Oxner Helping her clients realize their dreams of homeownership, has been my passion for over 21 years. Kahren will be forever grateful to the amazing mentors and leadership opportunities I’ve had along the way, and am humbled as a Senior Loan Officer at UMortgage, to be able to do the same for our team in return.

  • Borrow Smart Mortgage Inc
  • 9450 South West Commerce Circle, Suite 401, Wilsonville, OR, 97070
  • Tom Griffith and team have a combined experience of 50 years in the mortgage industry and felt there was a better way to facilitate a clients needs without eliminating inefficacies in the communication process. Borrow Smart Mortgage takes this into account by leveraging strategies to make the home buying process quick and affordable.

  • Apartment Loan Store
  • 11704 North Island Cove Lane, Portland, OR, 97217
  • Apartment Loan Store, a division of Business Loan Store(link is external), is a Commercial Mortgage Banking and Advisory Firm since 1997. We are members of the Mortgage Bankers Association and lend in all 50 states. Our funds come from Fannie Mae, Freddie Mac, HUD, Life Companies, Capital Markets, Mortgage Backed Securities, Hedge Funds, Pension F

  • MfgHomeMortgage.com
  • 1834 SW 58th Ave, Suite 104, Portland, OR, 97221
  • MfgHomeMortgage.com is powered by American Home Funding, which is a locally owned and operated mortgage brokerage out of Portland, OR. The company was founded by a husband and wife team in Eugene, OR in 1993 and has since retained its Eugene branch and moved its corporate headquarters and processing team to Portland.