USDA and FHA Pro and Con in Mena, Polk County, AR

In 2025, the loan limit for USDA in Mena, county of Polk, AR is $336,500, in contrast to the FHA limit of $472,030 for a single-family home.

Utilize the Lendersa® USDA loan calculator to evaluate and contrast today's top USDA versus FHA rates. This tool determines the necessary income, credit, reserves, and documentation required to qualify. Our comprehensive mortgage calculator provides a side-by-side display of USDA, FHA, Conforming, and VA options, making it easier to select the program in that best fits your financial scenario.

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2025 Loan Limits and Down Payment Requirements in Mena, county of Polk, AR

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

USDA and FHA Loan Choices in Mena, AR

The aim of Lendersa® is to swiftly provide you with the best USDA or FHA loan without hassle. Choose from one of three options that connect you to matching lenders and loan programs.

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Understanding USDA Loans in AR

The USDA home loan is a government-endorsed loan program from the Department of Agriculture, sometimes known as the USDA rural development loan or mortgage for rural areas. Unlike FHA loans, demanding a minimum down payment of 3.5%, the USDA mortgage requires no down payment at all.

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



  • Watertown Municipal Credit Union
  • 149 Main Street, Watertown, MA, 02472
  • The Mission of the Watertown Municipal Credit Union is to serve the employees of Watertown and their families by offering high quality financial products and services. The Watertown Municipal Credit Union shall protect its member’s financial assets through a conservative management style that pays high rates on shares and charges reasonable interes
  • Carrington Mortgage
  • 1600 South Douglass Road, Suite 110 & 200-A, Anaheim, CA, 92806
  • Carrington Mortgage Services, LLC ( “Carrington”) (NMLS ID #2600) is a national direct to consumer and wholesale lender. Our retail home lending division has community-based branches assisting borrowers with home financing opportunities and local real estate agents with their buyer clients.
  • C & C Financial Corp
  • 1475 South State College Boulevard, Suite 204, Anaheim, CA, 92806
  • C & C Financial Corp the concept of true and solid customer service is not new, it is our purpose and intent to continuously move and adapt within the boundaries of the industry, while providing innovation in the way we offer our service. Our entire team is devoted to our commitment of providing only exceptional service.
  • Momenta Capital Group Inc.
  • 2099 S State College Blvd, Anaheim, CA, 92806
  • Momenta Capital Group Inc. is committed to working closely with our clients on their journey to build and preserve generational wealth by providing unmatched service and timely execution. MCG’s client relationships have been built through trust, loyalty, and dedication to each client’s short and long-term objectives.
  • Intelty, Inc.
  • 3100 E. Miraloma Ave, Suite 220, Anaheim, CA, 92806
  • Intelty Inc we will find the loan that is perfect for YOU! When it comes to buying a home, one of the most important factors is finding the financing that best fits your specific goals so our mortgage professionals will give you the personal service you deserve. Get started by requesting a free personalized rate quote.
  • Carrington Mortgage Services, LLC
  • 1600 South Douglass Road, Suite 100 & 200-A, Anaheim, CA, 92806
  • Carrington Mortgage Services, LLC ( “Carrington”) (NMLS ID #2600) is a national direct to consumer and wholesale lender. Our retail home lending division has community-based branches assisting borrowers with home financing opportunities and local real estate agents with their buyer clients.
  • Citizens Lending Group
  • 3455 East La Palma Avenue #102, Anaheim, CA, 92806
  • At Citizens Lending Group, our staff has a combined 50+ years in the loan industry of California. We now specialize as reverse mortgage loan officers for senior citizens, though our experience includes everything from commercial loans and traditional home loans to Veterans Administration loans and FHA loans.
  • Carrington Mortgage Services, LLC
  • 1600 South Douglass Road, Suites 110, Anaheim, CA, 92806
  • Founded in 2003,Carrington is a holding company whose primary businesses work in sync with one another to provide a broad range of real estate services encompassing nearly all aspects of single family residential real estate transactions in the USA. We work diligently for the benefit of the many borrowers, homebuyers and investors we serve.
  • Mortgage Mac
  • 330 E. Lambert Rd, Suite 250, Brea, CA, 92821
  • Mortgage Mac is a Direct Lender who does everything in-house from application, processing, underwriting to closing. We strive to make your mortgage process quick, simple, and as hassle-free as possible We offer a wide array of loan options to fit virtually every need Including; Agency, FHA, Jumbo, HELOC and Portfolio programs.
  • EMET Lending Group
  • 2601 Saturn St, Suite 200, Brea, CA, 92821
  • Emet Mortgage is a mortgage lending company established in California that always prioritizes its clients and partners in everything we do to ensure your satisfaction and success. Not only Emet Mortgage consists of a large group of mortgage professionals with vast expertise in the industry but also we value
  • Wetzel Mortgage Group
  • 500 S. Kraemer Blvd, Suite 217, Brea, CA, 92821
  • Steven Wetzel (Loan Officer) is worked in Mortgage Banking for several years now. My success has been built upon the same tenants that made me successful running my family business- Customer Satisfaction, Integrity, and On Time Delivery. I enjoy working on the team because we pull together on all of our clients.
  • The A-Team
  • 3350 Birch St, Suite 140, Brea, CA, 92821
  • "We are THE A-TEAM of American Financial Network, Inc., a direct-lender with full delegation for FHA, VA, USDA, conventional loans and many other major secondary market institutions. We specialize in personalized mortgage solutions, fast customized quotes, great rates, & service with integrity."