USDA Vs. FHA Pro and Con comparison in Southside, Independence County, AR

For the year 2025, the USDA loan limit in Southside, part of Independence county, AR, is $336,500. Meanwhile, the FHA limit for a single-family home is set at $472,030.

Utilize the Lendersa® USDA loan calculator to analyze today's top USDA versus FHA rates, helping you determine the income, credit requirements, reserves, and documentation needed to qualify. Our advanced mortgage calculator offers a side-by-side comparison of USDA, FHA, Conforming, and VA loans, assisting you in selecting the most appropriate program for your financial situation, especially in Alabama.

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Loan Limits and Down Payment Needs for 2025 in Southside, Independence, 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 Opportunities in Southside, AR

The mission of Lendersa® is to efficiently secure the best USDA or FHA loan with minimal hassle. Choose one of three starting paths that connect to matching lenders and USDA loan programs.

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Exploring USDA Loans in AR

A USDA home loan, guaranteed by the U.S. Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is offered exclusively in rural areas. Unlike FHA loans, which necessitate a minimum of 3.5% down payment, USDA loans require no down payment, making them particularly appealing to eligible applicants.

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



  • Morningstar Mortgage
  • 474 N Tamiami Trail, Suite 3, Port Charlotte, FL, 33953
  • Morningstar Mortgage has been doing mortgages in Florida for 10 years. We provide the lowest rate on USDA 100% loan ,FHA Loans and Conventional home mortgages CLOSED IN 10 DAYS! Morningstar Mortgage Specialties in USDA, FHA home loans, mortgages, Home Financing , Homepath, fixed rate loans
  • Chain Bridge Bank, National Association
  • 1445-A Laughlin Avenue, Mc Lean, VA, 22101
  • Chain Bridge Bank, N.A. is a national bank and fiduciary services provider chartered under the Office of the Comptroller of the Currency. It serves businesses, organizations and individuals across the country, with an emphasis on commercial clients in the public affairs industries in the Washington, D.C. area.
  • Kish Bank
  • 4255 East Main Street, Belleville, PA, 17004
  • At Kish, we tell our customers to expect more. That’s more than a simple slogan—it’s a promise to deliver exceptional service as we work hard for our clients in all of our service lines: Banking, Wealth, Insurance, Benefits, and Travel. For over a century, solid and enduring values have made Kish Bank, the banking subsidiary of Kish Bancorp, I
  • The Tullis Mortgage Team
  • 6187 Grovedale Ct, Alexandria, VA, 22310
  • Specializing in Mortgage Banking for over 20 years as a licensed professional. I take pride in being able to offer my clients a wide array of Conventional, Government & Jumbo Loan programs. My goal is to customize the "right" loan program to match your short term & long term financial goals.
  • Fairfax Lending
  • 6094 Franconia Road, Alexandria, VA, 22310
  • Fairfax Lending, Inc. is the leading mortgage broker in Virginia, Washington DC and Maryland. We believe in a dramatically simplified experience for borrowers. Consumers are plagued with high rates and hidden fees every day. The current mortgage infrastructure is centered around volume of loans with more attention paid to commission.
  • Topside FCU
  • 17442 Dahlgren Road, Dahlgren, VA, 22448
  • Topside Federal Credit Union was federally chartered in 1961, and has grown into a full-service financial institution with total assets of over $400 million dollars. We value our members' trust, and work diligently to offer the financial services our members need and want. Our members' funds are federally insured by National Credit Union
  • First Meridian Mortgage Corporation
  • 8305 Richmond Hwy, Suite 12A, Alexandria, VA, 22309
  • First Meridian Mortgage Corporation is a trusted mortgage broker licensed to do business in Virginia, Maryland and District of Columbia. First Meridian’s purpose is to offer the most competitive mortgage interest rates and expert advice and guidance. First Meridian Mortgage Corporation is a Veteran Owned business.
  • Chippewa County Credit Union
  • 402 West Spruce Street, Sault Sainte Marie, MI, 49783
  • Chippewa County Credit Union Over the years, the credit union grew. An office was opened and employees were eventually hired. The name underwent a few changes, of course staff has changed, and we’ve moved to a bigger space, but we’re still the same. We take pride in being able to serve not only teachers and school administrators.
  • Federal Employees of Chippewa County Credit Union
  • 119 East Water Street, Unit 1, Sault Sainte Marie, MI, 49783
  • Federal Employees of Chippewa County Credit Union is dedicated to service the financial and economic well-being of our members, while giving constant consideration to their present and future needs, while striving to exceed their expectations. We are a small Credit Union located inside the beautiful Army Corps of Engineers Building on Water Street