USDA and FHA Pro and Con in Heber-Springs, Cleburne County, AR
In 2026, the USDA loan limit for Heber-Springs, located in the county of Cleburne, AR, is $285,000. In contrast, the FHA limit for a single-family home is $356,362.
Utilize the Lendersa® USDA loan calculator to evaluate today's top rates between USDA and FHA. This tool helps determine income, credit requirements, reserves, and necessary documentation for qualification. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA options side by side, assisting you in choosing the most appropriate program in Alabama for your financial circumstances.
2026 Loan Limits and Down Payment Requirements in Heber-Springs, Cleburne County, AR
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Exploring USDA and FHA Loan Options in Heber-Springs, AR
Lendersa® is dedicated to swiftly connecting you with the best USDA or FHA loans without hassle. Choose one of three starting options that lead to matching lenders and suitable USDA loan programs.
A USDA home loan, backed by the Department of Agriculture, also called a USDA rural development loan or USDA mortgage, is exclusively available in rural areas. Unlike FHA loans requiring a minimum down payment of 3.5%, USDA mortgages need no down payment.
In 1958, White County Government Employees Credit Union was formed under a state charter. This allowed our field of membership to be open to state & government employees in White County. The U.S. Post Office was instrumental in this formation.
On May 15, 1958, minutes of the first board meeting reflected ten members were approved for membershi
First Service Bank has been in operation for over 50 years and has locations in Little Rock, Greenbrier, Clinton, Shirley, Marshall, Yellville, Flippin, Mountain View, Conway and Dermott, with its headquarters in Faulkner County. Our goal is to fulfill your Banking & financing needs so you can realize your dreams.
1325 Harrison Street, 2nd Floor, Batesville, AR, 72501
Lends in Arkansas
First Community Bank is a locally owned and operated bank with a big heart for the communities we serve. Upon founding First Community Bank in 1997, we made a pledge to put community first in every decision we made. Our slogan "Where Community Comes First" is our commitment to be good community partners.
Citizens Bank now exceeds assets of $1.1 billion and remains headquartered in Batesville, AR. Citizens Bank is a financial services organization committed to meeting the needs of the communities it serves. Our progressive community Banking model focuses on the delivery of exceptional customer service while employing advanced technology.
Centennial Bank provides a broad range of commercial and retail Banking and related financial services to businesses, real estate developers, investors, individuals and municipalities. Member FDIC. Equal Housing Lender.commercial and retail Banking and related financial services to businesses
FAB&T can help you and your family by offering a range of financial solutions to fit your financial needs. Beyond that, however, we want the our brand to showcase that we are advocates for the communities we serve, and the causes and events in those communities that are important to the residents. We want to go the extra mile for our customers.
"Arkansas Federal Credit Union is a member-owned financial cooperative that invests back into the Arkansas communities where our members live, work and play - all while providing a great value for our 120,000+ members. Membership open to all Arkansans.
Arkansas Federal is an equal opportunity employer."
Central Arkansas Finance is located in Conway, Arkansas and has been one of the top mortgage lending firms in the State of Arkansas for over 10 years. We will represent you “the borrower” in obtaining the best possible financing. We are not tied to a particular lending institution and have access to many lenders.
Merchants and Planters Bank traces its roots back to 1946 in Tupelo, Arkansas, when the nation was recovering from World War II. Businesses and agricultural operations were expanding, and the financial needs for local farmers and merchants were also growing as the economy was on a post-war fast track. To help meet those financial needs
