For 2026, the FHA loan ceiling in Hot-Springs county of Garland, AR is set at $356,362 for a single-family house, $456,275 for two-unit dwellings, $551,500 for three-unit homes, and $685,400 for properties with four units.
The highest amount for conventional loans is $548,250 for a single-family home, then $702,000 for two-unit properties, $848,500 for three units, and $1,054,500 for four units.
Our FHA calculator allows you to review the top FHA rates available today and find out the required down payment, income, credit, reserves, and documentation for eligibility.
Interested in comparisons? Check loan offers from 100 lenders.
The Lendersa® calculator provides a comparison of FHA rates and terms alongside other loan program options such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
With access to information from thousands of lenders, Lendersa® quickly matches this data with your individual financial circumstances and needs.
The Loan Limits Comparison Table for 2026 in Hot-Springs county of Garland, AR gives a comparative view of FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximum loan amounts. For a detailed comparison of qualification aspects like income, reserves, and credit, try the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $356,362 | $456,275 | $551,500 | $685,400 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $285,000 | $285,000 | $285,000 | $285,000 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
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