USDA Vs. FHA your options comparison in Fayetteville, Washington County, AR

In 2026, the USDA loan cap in Fayetteville, located in Washington county, AR, stands at $336,500, whereas the FHA limit is set at $472,030 for a single-family dwelling.

Utilize the Lendersa® USDA loan calculator to contrast today's USDA with FHA rates, figuring out the requisite income, credit score, reserves, and documentation for qualification. Our sophisticated mortgage calculator allows a side-by-side view of USDA, FHA, Conforming, and VA options, aiding your decision on the most suitable program for your financial position in Alabama.

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2026 Loan Limits and Down Payment Requirements in Fayetteville, Washington, AR

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

Options for USDA and FHA Loans in Fayetteville, AR

The mission of Lendersa® is to secure you the optimal USDA or FHA loan swiftly and free of stress. Choose one of three methods to connect with lenders and USDA loan programs.

Lendersa USDA loan application and matching results

Defining the USDA Loan in AR

A USDA home loan is a government-backed mortgage by the U.S. Department of Agriculture, commonly known as a USDA rural development or USDA mortgage loan, and is exclusively accessible in rural zones. Unlike FHA loans, which necessitate a minimum down payment of 3.5%, USDA mortgages require no down payment at all.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • KeySmart Mortgage Co
  • 6847 West Cermak Road, Berwyn, IL, 60402
  • KeySmart Mortgage Co was created with the consumer in mind, we are a veteran owned and operated company with nearly 40 years of combined experience. Commitment to service, respect and excellence are our core values. Our strength is our people, we are guided by the principle of respect.

  • Guaranteed Financial Corp
  • 6231 West Roosevelt Road, Berwyn, IL, 60402
  • Guaranteed Financial is an Illinois residential mortgage company dedicated to one thing– fulfilling the American Dream.Our team serves the lending needs of home buyers, homeowners, real estate professionals & builders across the state by offering a host of diverse and flexible mortgage packages for customers with a variety of backgrounds and needs.

  • American Financial Solutions Inc
  • 6705 West 26th Street, Berwyn, IL, 60402
  • American Financial Solutions Inc We will treat you with the respect due an esteemed customer and give you the personal service you deserve. We understand the big commitment you are making in buying a home, refinancing a mortgage, or cashing out your home equity. So we make a commitment to you: we will help you qualify.

  • SIC Funds
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  • In September of 2018 Secure Investor Capital, Inc. (SIC Funds) became a nationwide direct lender for 1-4 unit non-owner rehab fix & flip business loans. SIC founded in 2010 in Elmhurst Illinois has also became a lender in the great states of Illinois, Florida and Michigan (Nationwide) for small balance commercial bridge loans.

  • My Community Credit Union
  • 600 West Louisiana, Midland, TX, 79701
  • My Community Credit Union was federally charted on February 13, 1952, when a local man visited a bank to request a loan for the purchase of a home and was denied. A small group of co-workers for the Atlantic Refining Company (ARCO) joined together to finance this loan so that he could purchase his home.

  • Community National Bank (Midland, Texas)
  • 500 W. Illinois Ave., Midland, TX, 79701
  • Community National Bank, established in 1984, continues to expand upon our original mission to provide a strong, locally owned, community bank. CNB distinguishes ourselves through a focused dedication to the success of the the DFW, Midland, Odessa, & Stanton communities by providing outstanding customer experiences to those we are honored to serve.

  • REGIONAL federal credit union
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  • FinAns Federal Credit Union
  • 7017 Kennedy Avenue, Hammond, IN, 46323
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  • Elite Residential Lending Inc
  • 9300 South Ashland Avenue, Chicago, IL, 60620
  • Elite Commercial Lending dba Elite Residential Lending is currently licensed in Illinois and is a full-service mortgage broker, headquartered in Chicago, Illinois and we offer fast service, low rates and we provide an innovative mix of mortgage products. Our Vice President has over 27 years of mortgage experience.