USDA Vs. FHA your options comparison in Ozark, Franklin County, AR

During 2025, the USDA loan limit in Ozark, located in Franklin county, AR, is $336,500. In contrast, the FHA limit for a single-family home hits $472,030.

Utilize the Lendersa® USDA loan calculator to analyze and contrast today's top USDA and FHA rates. This tool can help you determine the necessary income, credit requirements, reserves, and documents needed for eligibility. By using our advanced mortgage calculator, you can look at USDA, FHA, Conforming, and VA loans side by side, aiding you in selecting the most suitable program for your financial picture in Alabama.

Explore loan offers from a diverse set of 100 lenders

2025 Loan Limits and Down Payment Requirements in Ozark, Franklin, AR

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

Various USDA and FHA Loan Options in Ozark, AR

The mission of Lendersa® is to provide you with the best USDA or FHA loan swiftly and without hassle. Choose one of three starting points that lead to matching lenders and USDA loan solutions.

Lendersa USDA loan request matching results illustration

Understanding USDA Loans in AR

The USDA home loan, guaranteed by the Department of Agriculture and commonly known as the USDA rural development loan or USDA mortgage, is specifically offered in rural neighborhoods. Unlike FHA loans that require at least a 3.5% down payment, USDA loans mandate no down payment, significantly benefiting eligible borrowers.

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



  • Desert Creel Mortgage, LLC
  • 16810 E. Avenue of the Fountains, Suite 214, Fountain Hills, AZ, 85268
  • Bill McKellips and Dan Fann have been in the mortgage industry for over 15 years. They combined efforts and began Desert Creek Mortgage in 2004. They are committed t dealing openly and honestly with their customers. Getting a mortgage can be confusing and overwhelming. Desert Creek wants to make it as easy and painless as possible.
  • GOLDWATER MORTGAGE FINANCIAL COMPANY INC.
  • 16810 Avenue of the Fountains, Suite 104, Fountain Hills, AZ, 85268
  • At Goldwater Mortgage Financial Company Inc., professional mortgage company specializing in residential mortgages. At Goldwater Mortgage Financial Company Inc., we will find a loan that fits each borrower. Unlike big banks that have order taker helping you with your loan, we have highly skilled loan consultants.
  • Three Star Capital
  • 6615 W Boynton Beach Blvd #415, Boynton Beach, FL, 33437
  • 3 Star Capital has over 20 years of experience in the finance industry.With an expertise in commercial real estate acquisitions & refinancing, & equipment leasing & financing.Our portfolio also includes: business lines of credit, & SBA business loans.We started out in 1997 with an expertise in equipment leasing & commercial real estate financing.
  • Green Dot Bank DBA Bonneville Bank
  • 1675 North 200 West, Provo, UT, 84601
  • Bonneville Bank is located in Provo, UT, United States and is part of the Depository Credit Intermediation Industry. Bonneville Bank has 1 total employees across all of its locations and generates $6.86 million in sales (USD). Bonneville Bank was established on May 15, 1978 at its present location of 1675 North Freedom Boulevard in Provo, Utah.
  • 1st Choice Money Center
  • 984 S. University Ave, Provo, UT, 84601
  • 1st Choice Money Center was founded to provide fast, easy and responsible loans to help you and your family through those times when a little extra cash makes all the difference. We understand that life throws us curveballs when we least expect it, so at 1st Choice we offer a wide range of loan products to give you relief when you need it most.
  • Nationwide Reverse Mortgages
  • 109 W 920 S, Suite 200, Provo, UT, 84601
  • We are committed to quality customer service - putting the people we serve first. Take advantage of our expertise in the residential lending industry by applying online today. Nationwide Reverse Mortgages, we have the right loan program for you. Whether you looking for Purchase, Refinance, or Specialized Loans, we can do it!
  • Blue Chip Lending Services Inc
  • 116 East Ocean Avenue, Lantana, FL, 33462
  • Our mission is to serve our customers with honesty, integrity, and competence. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan. Blue Chip Lending Service, is dedicated to providing you with quality information so you can make an informed and intelligent decision about your mortgage.
  • Mortgage Biz of Florida
  • 806 E. Windward Way #015, Lantana, FL, 33462
  • Mortgage Biz of Florida is a residential and Commercial mortgage broker. Our team of licensed mortgage brokers out of Lantana, Florida can help you get a better deal! We work on FHA home loans, VA home loans, Conventional home loans, Jumbo home loans, USDA home loans and Commercial mortgages.
  • Cecil County School Employees' Federal Credit Union
  • 203 Booth Street, Elkton, MD, 21921
  • In 1953, many Cecil County school teachers were struggling financially. This was especially true for new hires, since they did not receive their first checks until after a month of teaching. Cecil County School Employees’ Federal Credit Union was formed as a way for them to borrow money for rent and other necessities.
  • Thiokol Elkton Federal Credit Union
  • 55 Thiokol Road, Elkton, MD, 21921
  • Thiokol-Elkton Federal Credit Union is a not-for-profit financial alternative to banks. Unlike other financial institutions, a credit union is owned & run by its members, who pool their savings in order to provide low cost loans & other services. If you work for one of our sponsor groups or have a family member who does, we invite you to join us.