USDA loans for the State of Arkansas

My state-specific information

Eligibility Requirements – Arkansas

Looking for a home in Arkansas? Residents have access to great loans from USDA. For a family of 1-4, the income limit for a USDA loan is $119,850 and families of 5+ have a cap of $158,250. Not only that, but USDA loans can be 100% financed, which means no down payment. Our USDA loan specialists would love to help you get into that new home, so just fill out the form to the side to get started.

This map shows the areas of Arkansas eligible for USDA loans. More for info, check out the USDA loan eligibility screen.Income limits are consistent across all Arkansas counties and metro areas. If you’re unsure about eligibility, start your secure USDA prequalification and we’ll verify everything for you.

Arkansas USDA Income Limits (Moderate Income – Guaranteed Loan)

All areas of Arkansas follow the standard USDA income limit.

Area 1–4 Person 5+ Person
All Arkansas Counties & MSAs $119,850 $158,250

USDA income limits in Arkansas are based on total household income and household size. This includes income from all adult household members, not just the borrower.

If your total qualifying household income is within the limit for your area and household size, you may be eligible for a USDA Guaranteed loan with 100% financing (no down payment required).

Check Your Arkansas USDA Eligibility

USDA loans are available in eligible rural and suburban areas throughout Arkansas. We can quickly:

  • Verify your household income eligibility
  • Confirm the property is in a USDA-eligible location
  • Provide a fast payment estimate and next steps


Get Pre-Qualified


or request a quick eligibility review.

Income limits shown are for USDA Guaranteed loans and may change annually. Final eligibility depends on verified household income, household size, and USDA program guidelines.

  • NO down payment – Finance 100% of your home
  • NO assets needed to qualify
  • Flexible credit guidelines
  • Competitive, fixed interest rates so payments do not increase
  • USDA Loans are for new and existing properties

Start your Arkansas USDA home loan now! Just fill out this quick form to get started & a USDA loan specialist will contact you with your options.

What areas are eligible?

USDA Eligibility Map – Arkansas