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2026 FHA Loan Limits in Arkansas

Alaya Linton, Author at LendingTree

Written by  Alaya Linton

Abigail Bassett, Editor at LendingTree

Edited by  Abigail Bassett

Updated
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FHA loans, backed by the Federal Housing Administration, help make homeownership more accessible with low down payment requirements, flexible credit standards and competitive interest rates. 

This guide explains how to qualify for an FHA loan in Arkansas and what to expect from FHA borrowing limits. For 2026, the FHA loan limit for a single-family home in Arkansas is $541,287 across all counties. Learn more about how FHA limits are set, key eligibility requirements and how to find an FHA-approved lender.

Arkansas FHA loan limits by county

County nameOne unitTwo unitsThree unitsFour unitsMedian sales price
ARKANSAS COUNTY$541,287 $693,050 $837,700 $1,041,125 $93,000
ASHLEY COUNTY$541,287 $693,050 $837,700 $1,041,125 $75,000
BAXTER COUNTY$541,287 $693,050 $837,700 $1,041,125 $190,000
BENTON COUNTY$541,287 $693,050 $837,700 $1,041,125 $365,000
BOONE COUNTY$541,287 $693,050 $837,700 $1,041,125 $179,000
BRADLEY COUNTY$541,287 $693,050 $837,700 $1,041,125 $83,000
CALHOUN COUNTY$541,287 $693,050 $837,700 $1,041,125 $85,000
CARROLL COUNTY$541,287 $693,050 $837,700 $1,041,125 $221,000
CHICOT COUNTY$541,287 $693,050 $837,700 $1,041,125 $95,000
CLARK COUNTY$541,287 $693,050 $837,700 $1,041,125 $215,000
CLAY COUNTY$541,287 $693,050 $837,700 $1,041,125 $95,000
CLEBURNE COUNTY$541,287 $693,050 $837,700 $1,041,125 $195,000
CLEVELAND COUNTY$541,287 $693,050 $837,700 $1,041,125 $163,000
COLUMBIA COUNTY$541,287 $693,050 $837,700 $1,041,125 $122,000
CONWAY COUNTY$541,287 $693,050 $837,700 $1,041,125 $130,000
CRAIGHEAD COUNTY$541,287 $693,050 $837,700 $1,041,125 $200,000
CRAWFORD COUNTY$541,287 $693,050 $837,700 $1,041,125 $179,000
CRITTENDEN COUNTY$541,287 $693,050 $837,700 $1,041,125 $339,000
CROSS COUNTY$541,287 $693,050 $837,700 $1,041,125 $140,000
DALLAS COUNTY$541,287 $693,050 $837,700 $1,041,125 $68,000
DESHA COUNTY$541,287 $693,050 $837,700 $1,041,125 $83,000
DREW COUNTY$541,287 $693,050 $837,700 $1,041,125 $140,000
FAULKNER COUNTY$541,287 $693,050 $837,700 $1,041,125 $232,000
FRANKLIN COUNTY$541,287 $693,050 $837,700 $1,041,125 $121,000
FULTON COUNTY$541,287 $693,050 $837,700 $1,041,125 $95,000
GARLAND COUNTY$541,287 $693,050 $837,700 $1,041,125 $210,000
GRANT COUNTY$541,287 $693,050 $837,700 $1,041,125 $232,000
GREENE COUNTY$541,287 $693,050 $837,700 $1,041,125 $150,000
HEMPSTEAD COUNTY$541,287 $693,050 $837,700 $1,041,125 $81,000
HOT SPRING COUNTY$541,287 $693,050 $837,700 $1,041,125 $120,000
HOWARD COUNTY$541,287 $693,050 $837,700 $1,041,125 $128,000
INDEPENDENCE COUNTY$541,287 $693,050 $837,700 $1,041,125 $135,000
IZARD COUNTY$541,287 $693,050 $837,700 $1,041,125 $109,000
JACKSON COUNTY$541,287 $693,050 $837,700 $1,041,125 $75,000
JEFFERSON COUNTY$541,287 $693,050 $837,700 $1,041,125 $163,000
JOHNSON COUNTY$541,287 $693,050 $837,700 $1,041,125 $218,000
LAFAYETTE COUNTY$541,287 $693,050 $837,700 $1,041,125 $74,000
LAWRENCE COUNTY$541,287 $693,050 $837,700 $1,041,125 $100,000
LEE COUNTY$541,287 $693,050 $837,700 $1,041,125 $70,000
LINCOLN COUNTY$541,287 $693,050 $837,700 $1,041,125 $140,000
LITTLE RIVER COUNTY$541,287 $693,050 $837,700 $1,041,125 $194,000
LOGAN COUNTY$541,287 $693,050 $837,700 $1,041,125 $168,000
LONOKE COUNTY$541,287 $693,050 $837,700 $1,041,125 $232,000
MADISON COUNTY$541,287 $693,050 $837,700 $1,041,125 $365,000
MARION COUNTY$541,287 $693,050 $837,700 $1,041,125 $147,000
MILLER COUNTY$541,287 $693,050 $837,700 $1,041,125 $194,000
MISSISSIPPI COUNTY$541,287 $693,050 $837,700 $1,041,125 $101,000
MONROE COUNTY$541,287 $693,050 $837,700 $1,041,125 $109,000
MONTGOMERY COUNTY$541,287 $693,050 $837,700 $1,041,125 $135,000
NEVADA COUNTY$541,287 $693,050 $837,700 $1,041,125 $70,000
NEWTON COUNTY$541,287 $693,050 $837,700 $1,041,125 $179,000
OUACHITA COUNTY$541,287 $693,050 $837,700 $1,041,125 $85,000
PERRY COUNTY$541,287 $693,050 $837,700 $1,041,125 $232,000
PHILLIPS COUNTY$541,287 $693,050 $837,700 $1,041,125 $40,000
PIKE COUNTY$541,287 $693,050 $837,700 $1,041,125 $107,000
POINSETT COUNTY$541,287 $693,050 $837,700 $1,041,125 $200,000
POLK COUNTY$541,287 $693,050 $837,700 $1,041,125 $130,000
POPE COUNTY$541,287 $693,050 $837,700 $1,041,125 $180,000
PRAIRIE COUNTY$541,287 $693,050 $837,700 $1,041,125 $116,000
PULASKI COUNTY$541,287 $693,050 $837,700 $1,041,125 $232,000
RANDOLPH COUNTY$541,287 $693,050 $837,700 $1,041,125 $120,000
SALINE COUNTY$541,287 $693,050 $837,700 $1,041,125 $232,000
SCOTT COUNTY$541,287 $693,050 $837,700 $1,041,125 $60,000
SEARCY COUNTY$541,287 $693,050 $837,700 $1,041,125 $111,000
SEBASTIAN COUNTY$541,287 $693,050 $837,700 $1,041,125 $179,000
SEVIER COUNTY$541,287 $693,050 $837,700 $1,041,125 $112,000
SHARP COUNTY$541,287 $693,050 $837,700 $1,041,125 $103,000
ST. FRANCIS COUNTY$541,287 $693,050 $837,700 $1,041,125 $60,000
STONE COUNTY$541,287 $693,050 $837,700 $1,041,125 $197,000
UNION COUNTY$541,287 $693,050 $837,700 $1,041,125 $129,000
VAN BUREN COUNTY$541,287 $693,050 $837,700 $1,041,125 $117,000
WASHINGTON COUNTY$541,287 $693,050 $837,700 $1,041,125 $365,000
WHITE COUNTY$541,287 $693,050 $837,700 $1,041,125 $170,000
WOODRUFF COUNTY$541,287 $693,050 $837,700 $1,041,125 $128,000
YELL COUNTY$541,287 $693,050 $837,700 $1,041,125 $180,000

How are FHA loan limits determined?

Each year, the Federal Housing Administration (FHA) sets loan limits by county and property type, which determine the maximum amount homebuyers can borrow using an FHA loan. These limits are tied to the conforming loan limits for conventional (non-government) mortgages, which are established annually by the Federal Housing Finance Agency (FHFA). For 2026, the national conforming loan limit is $832,750.

FHA loan limits are based on a range that includes a minimum “floor” and a maximum “ceiling.” Single-family homes in most U.S. counties follow the FHA floor, while higher-cost metro areas qualify for increased limits up to the ceiling. Alaska, Hawaii, Guam and the U.S. Virgin Islands have even higher limits because they are designated as special exception areas due to elevated construction costs.

In Arkansas, the 2026 FHA loan limit for single-family homes in every county is set at the FHA floor of $541,287. However, higher limits — up to $1,041,125 — apply to multifamily properties, depending on the number of units.

How to qualify for an FHA loan in Arkansas

To qualify for an FHA loan in Arkansas, you must meet the following minimum mortgage requirements established by the FHA. Some lenders may impose additional guidelines.

  • Minimum credit score of 500: You can qualify with a credit score as low as 500; however, you need at least a 580 credit score to take advantage of FHA’s 3.5% minimum down payment.
  • Minimum down payment of 3.5%: Your credit score will determine your minimum down payment. If you have a score of 580 or higher, you can make a 3.5% down payment. However, you must put at least 10% down if your credit score is between 500 and 579.
  • Income history: FHA loan lenders don’t usually require a minimum income to qualify, but you will need to provide employment and income history for the last two years.
  • Maximum debt-to-income (DTI) ratio of 43%: FHA guidelines set the maximum debt-to-income ratio (the sum of your monthly debt payments divided by your monthly pretax income) at 43%. However, lenders may approve a higher ratio in some cases.
  • Primary residence: FHA loans are for primary residences only; you must live in the home for at least one year.
  • Home appraisal: An FHA appraisal assesses the house’s market value and confirms it meets FHA’s property standards.
  • Mortgage insurance: You’ll need two types of FHA mortgage insurance: an upfront premium of 1.75% of the mortgage amount (typically financed with the loan) and an annual mortgage insurance premium of 0.15% to 0.75% of the loan amount (calculated in your monthly mortgage payments).

Buying a multifamily property with an FHA loan

The FHA program also allows you to buy a multifamily home of two to four units with just 3.5% down. Some people purchase multi-unit properties and use a strategy called house hacking: living in one unit while renting out the others and using the rent toward the mortgage. A portion of the anticipated rental income can be used to qualify for the loan. Similar to a single-family home, these multifamily properties come with specific requirements to qualify, including:

  • A credit score of at least 580 to qualify for a 3.5% down payment; if your score falls between 500 and 579, you’ll need to put at least 10% down
  • Proof of employment history, such as W-2s, for the past two years
  • A debt-to-income ratio of no more than 43% in most cases
  • A certain amount of cash reserves, as determined by the lender
  • Living in the home as your primary residence for at least one year

The FHA loan limits for multifamily properties in Arkansas in 2026 are: in Arkansas in 2025 are:

Number of unitsLow-cost FHA loan limit
Two$693,050
Three$837,700
Four$1,041,125

FHA lenders in Arkansas

LenderLendingTree ratingMin. FHA credit score
Flagstar
 5/5 Read Our Review 580
Get offers
Pennymac logo
 5/5 Read Our Review 580
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Rocket_Mortgage
 5/5 Read Our Review 580
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BMO Harris logo
 4.5/5 Read Our Review 580
Get offers
rate
 4.5/5 Read Our Review 580
Get offers

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Home Home Loan FHA Loans 2026 FHA Loan Limits in Arkansas