USDA and FHA Pro and Con in Searcy, White County, AR

In 2024, USDA loan limit in Searcy, county of White, AR is $336,500 while FHA limit is $472,030 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.

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2024 loan limits and downpayment requirments in Searcy, county of White, AR

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

USDA and FHA loan options in Searcy, 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?



  • PennyMac Loan Services
  • 3043 Townsgate Rd, Suite 200, Westlake Village, CA, 91361
  • At PennyMac our commitment to our customers doesn’t end at closing. Our goal is to be a trusted financial partner that you can count on as long as you own your home. Being one of the top direct mortgage lenders in the country means PennyMac can focus on the needs of its customers rather than maintaining a network of branches and banking products.
  • Great American Funding Corporation
  • 860 Hampshire Road Suite S, Westlake Village, CA, 91361
  • Great American Funding Corporation is a Direct Mortgage Lending Source which allows us to offer hundreds of Mortgage Loan programs from which to choose. A Mortgage Banker can obtain lower rates and SAVE you money. We get paid by the Big Banks, to do their job better, faster, quicker, less expensive and with lower rates!
  • Harmony Mortgage
  • 699 Hampshire Rd. Suite 210, Westlake Village, CA, 91361
  • Harmony Mortgage Bankers was established in 2007 and since then the company and licensed mortgage professionals have been providing mortgage lending services to home buyers and real estate professionals throughout the state of California. We offer a wide variety of loan options with extremely competitive rates and fees.
  • Veronica Barragan home loan
  • 935 G St, Reedley, CA, 93654
  • Veronica Barragan have been in the Mortgage Industry for the past 23 years and have enjoyed every minute of it. I started as a “Temp Girl” for a small Mortgage Banker in Visalia in 1988 and held the receptionist position. I eventually went on to the positions of: Doc drawer, shipper, loan processor and Loan Officer.
  • Real Estate by Paula & Shay Mortgage
  • 4722 La Puma Court, Camarillo, CA, 93012
  • Real Estate by Paula & Shay Mortgage is a prestigious real estate and mortgage brokerage company with nearly 30 years experience in real estate sales and financing. With expertise in all aspects of real estate, we assist our clients in achieving their home ownership and financing dreams.
  • FirstFund Mortgage Corp
  • 4845 Via Don Luis, Thousand Oaks, CA, 91320
  • FirstFund Mortgage Corp. is an Equal Housing Lender. Some products and services may not be available in all states. Credit and collateral are subject to approval. Terms and conditions apply. Programs, rates, terms and conditions are subject to change and are subject to borrower(s) qualification. This is not a commitment to lend.
  • Thousand Oaks Mortgage
  • 2318 Yew Drive, Newbury Park, CA, 91320
  • Thousand Oaks Mortgage has been in business for 19 years. Throughout the ups and downs of our economy, we have been able to maintain and fulfill our mission statement, which is to stay true to our clients and provide them with the best solutions to the financial questions and concerns. Most if not all of our business has always been referral based.
  • Pacific Elite Financial
  • 3872 Foxdale Ct, Thousand Oaks, CA, 91320
  • Pacific Elite Financial 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.
  • Valley Strong Credit Union
  • 11500 Bolthouse Drive, Bakersfield, CA, 93311
  • In 1938, a small group of dedicated and concerned teachers met for the purpose of forming a financial cooperative for school employees and their families. From these very humble beginnings, Valley Strong Credit Union was founded and formed. Our mission is to turn people’s financial possibilities into financial realities.
  • San Joaquin Valley Mortgage
  • 8501 Camino Media, Suite 400, Bakersfield, CA, 93311
  • We're a local company providing mortgage loan products fit to your individual needs. We have a variety of different loans available, and have something for everyone! We can complete your FHA, conventional, VA, or private money loan transaction quickly, and we make the process easy!
  • Level One Financial
  • 1620 Mill Rock Way, Suite 100, Bakersfield, CA, 93311
  • We are a mortgage broker located in Bakersfield, CA. As a mortgage broker, we work with many different lenders which allows us to give you the most competitive rates & many different loan programs to tailor your specific needs.Our Integrity radiates through maintaining high standards, sticking to our word & providing a culture of honesty & hard wor