USDA Vs. FHA your options comparison in Hot-Springs, Garland County, AR

In 2024, USDA loan limit in Hot-Springs, county of Garland, AR is $285,000 while FHA limit is $356,362 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

Compare loan offers from 100 lenders

2024 loan limits and downpayment requirments in Hot-Springs, county of Garland, AR

Loan Type Loan Limit Down payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

USDA and FHA loan options in Hot-Springs, AR

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Arkansas?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • Buywiser Technology, Inc
  • 29903 Agoura Rd, Agoura Hills, CA, 91301
  • Buywiser's mission is to serve our customers with honesty, integrity, and competence. Our team's goals are to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Premier Funding
  • 28632 Roadside Drive, Suite 130, Agoura Hills, CA, 91301
  • Premier Funding has been helping homeowners streamline the process of real estate financing to ensure fast, efficient and price competitive closing. We use the latest technology to process applications. Throughout the process we will answers questions and keep you informed of the progress of your loan
  • Integrity First Mortgage Solutions, Inc
  • 30423 Canwood Street, Suite 227, Agoura Hills, CA, 91301
  • Integrity First Mortgage Solutions (IFMS) brings over two decades of lending experience. The owner and Founder of IFMS, Lee Appleby, enjoys a reputation as one of the premier Mortgage Experts in the nation, and is sought out by real estate professionals, other mortgage professionals and business and financial advisors to secure optimal mortgage.
  • Partners Capital Solutions
  • 26901 Agoura Road, Suite 180, Agoura Hills, CA, 91301
  • Partners Capital Solutions is operated by a team of highly experienced real estate professionals with long and successful track records in lending, development, and property management. We’re leveraging technology and building on our proven success to bring new and innovative products to our borrowers and investors.
  • FINANCE OF AMERICA MORTGAGE
  • 30401 Agoura Rd, Agoura Hills, CA, 91301
  • Finance of America Mortgage is a dedicated team of experienced mortgage and reverse mortgage professionals with close to 100 years of combined knowledge and over billions of funded loans helping our clients meet their home ownership goals and leveraging the equity they have earned over the decades of home ownership.
  • One Source by PCS
  • 26901 Agoura Road Suite 180, Agoura Hills, CA, 91301
  • OneSource by PCS is an online real estate finance marketplace. Borrowers have access to lower interest rate loans through a quick and simple online or mobile application. Investors have the ability to invest in a diverse range of investment products backed by real estate assets. Our goal is stress-free closing without the headaches and delays assoc
  • ALLIED COMMERCIAL FUNDING
  • 5737 Kanan Rd #135, Agoura Hills, CA, 91301
  • Allied Commercial Funding is a full-service commercial direct lender for Stated Income Loans, Hard Money/Bridge Loans and a mortgage broker for aggressive Bank Loans, making your commercial real estate financing easy for any FICO since 1993. Allied Commercial Funding can provide you with a Real Estate Loan for Stated Income Loans
  • Athas Capital
  • 27001 Agoura Road Suite 200, Agoura Hills, CA, 91301
  • Athas Capital Group’s genesis was driven by the belief that there was an underserved Non-Prime market. Founded in 2008 with nearly 50 years of experience in all facets of real estate lending, the market was in need of a lender who understood the complexity of serving borrowers deserving of credit but did not fit the conventional lending box.
  • Bank of The Sierra
  • PO Box 1930, Porterville, CA, 93258
  • Bank of the Sierra was founded in 1977. Over the years, our market has expanded to include Tulare, Kern, Kings, Fresno, Los Angeles, San Luis Obispo, Santa Barbara and Ventura Counties. We are the largest community bank headquartered in California's Heartland. Through sound banking practices and financial strength
  • Penobscot County Federal Credit Union
  • 205 Main Street, Old Town, ME, 04468
  • Penobscot County Federal Credit Union focuses on providing family style service and top notch consumer lending for the current and potential members of Penobscot County Federal Credit Union. Penobscot County Federal Credit Union has grown into a full service financial institution that has over 8, 000 members and assets over $53 million.
  • Premier Home Loan Group
  • 217 E. Palm St, Exeter, CA, 93221
  • Our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage options that are available today.