USDA Vs. FHA Pro and Con comparison in Cave-Springs, Benton County, AR
During 2026, the USDA loan ceiling in Cave-Springs, within the county of Benton, AR, is set at $285,000, whereas the FHA limit for a single-family home is $356,362.
Utilize the Lendersa® USDA loan calculator to analyze and contrast today's optimal USDA and FHA rates. This helps determine the requisite income, credit, reserves, and documentation for qualifying. Our advanced mortgage calculator provides a side-by-side comparison of USDA, FHA, Conforming, and VA loans, aiding your decision regarding the best program in tailored to your financial situation.
2026 Loan Limits and Down Payment Requirements in Cave-Springs, County of Benton, AR
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conforming Conventional
$548,250
3%
USDA and FHA Loan Programs in Cave-Springs, AR
The aim of Lendersa® is to efficiently provide you with the most appropriate USDA or FHA loan options without hassle. Start by selecting one of three initial pathways that lead you to matching lenders and USDA loan programs.
A USDA home loan is supported by the Department of Agriculture and is also known as a USDA rural development loan or USDA mortgage. This loan type is exclusively available in rural areas. Unlike FHA loans that require a minimum of 3.5% as a down payment, USDA mortgages do not require any initial payment.
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