USDA Vs. FHA Pro and Con comparison in Little-Rock, Pulaski County, AR
For 2026, the USDA loan limit in Little-Rock, located in Pulaski county, AR, amounts to $285,000. On the other hand, the FHA limit for a single-family dwelling is $356,362.
Utilize the Lendersa® USDA loan calculator to compare the best current USDA and FHA rates, assessing the income, credit, reserves, and documents needed for eligibility. Our advanced mortgage calculator provides a side-by-side analysis of USDA, FHA, Conforming, and VA loans, enabling you to decide which program in aligns best with your financial needs.
2026 Loan Limits and Downpayment Requirements in Little-Rock, Pulaski, AR
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Discover USDA and FHA Loan Options in Little-Rock, AR
The mission of Lendersa® is to quickly and effortlessly find you the best USDA or FHA loan possible. Choose one of three starting points designed to align you with potential lenders and USDA loan programs.
A USDA home loan, also referred to as a USDA rural development loan or mortgage, is backed by the Department of Agriculture and is available in rural areas only. Unlike FHA loans that necessitate a 3.5% down payment, a USDA mortgage requires no down payment at all.
650 S Shackleford Rd, Suite 150, Little Rock, AR, 72211
Lends in Arkansas
Eagle Bank & Trust Company has been serving customers in central Arkansas and beyond since 1919. From our humble beginnings, we’ve grown to 13 full-service Bank locations and mortgage loan production offices located in six states (Arkansas, Florida, Idaho, Louisiana, Mississippi, and Tennessee
Southern Bancorp is more than a bank. It is an opportunity center, a place where anyone can receive help no matter where they may be on their financial journey. We provide affordable and responsible banking products and financial development services to rural and underserved communities in the Mid-South.
TruService Community Federal Credit Union is proud to be the first and oldest credit union in Arkansas, chartered in 1930 by U.S. Postal employees. We are federally insured by the National Credit Union Administration (NCUA). TruService owes its existence to the foresight and thrift of the Postal Workers in Arkansas.
650 S. Shackleford, Suite 400, Little Rock, AR, 72211
Lends in Arkansas
Our mission is to serve our customers with honesty, integrity and competence. Our goal is 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.
11825 Hinson Road, Suite 104, Little Rock, AR, 72212
Lends in Arkansas
We pride ourselves on exceeding our customer's expectations in finding the best rates, service, and options for a home loan that's right for you. Whether you want the lowest rate possible, a large amount of guidance, or a more complex financing package, we realize you are unique and we'll work with you to form a loan that is exclusively for you.
Benchmark is a full-service mortgage banker and seller-servicer We are a community of mortgage professionals that are united by the Benchmark core values - success, relationship, dynamic, excellence, positive attitude. Everything we do comes back to these five defined beliefs. Adhering to these values dictates the way we think, manage our business.
4300 W 7th St, Room 1A-118, Little Rock, AR, 72205
Lends in Arkansas
VA Hospital Federal Credit Union. The credit union was established in 1951 to serve its members financial needs. Since its inception the credit union has provided financial services at the best economical rates in the most opportune manner. This tradition started over 6 decades ago continues today.
Baptist Health Federal Credit Union is a not-for-profit financial institution with a people helping people mentality. We serve employees, friends, family, retirees, and volunteers of Baptist Health and other healthcare service industries. All deposits are federally insured by the NCUA up to $250,000. Visit the NCUA to learn more.
Cooperative Extension Service Federal Credit Union (CESFCU) started in 1946 as the Agricultural Extension Workers Credit Association, a state-chartered credit union. CESFCU was started by 11 UADA Cooperative Extension Service employees.
CESFCU became a Federally Chartered Credit Union in 1992
