USDA Vs. FHA Pro and Con comparison in Malvern, Hot Spring County, AR

For 2025, the USDA loan limit in Malvern, within Hot Spring county, AR, is $336,500. On the other hand, the FHA limit for single-family homes stands at $472,030.

Utilize the Lendersa® USDA loan calculator to evaluate today's USDA versus FHA rates and determine the necessary income, credit, reserves, and documents for qualification. Our advanced mortgage calculator offers a side-by-side view of USDA, FHA, Conforming, and VA options, assisting you in selecting the best program for your financial situation in Alabama.

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Loan Limits and Downpayment Requirements in Malvern, Hot Spring, AR for 2025

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

Evaluating USDA and FHA Loan Options in Malvern, AR

Lendersa® strives to provide the best USDA or FHA loans quickly and effortlessly. Start with one of three pathways to connect with matched lenders and USDA loan programs.

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Understanding USDA Loans in AR

Known as a USDA rural development loan or USDA mortgage, the USDA home loan is guaranteed by the Department of Agriculture and is available only in rural neighborhoods. Unlike FHA loans that require a minimum 3.5% down payment, USDA loans require no down payment.

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



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