Arkansas · Second mortgage

ADFA Down Payment Assistance

$15,000

$1,000-$15,000 for down payment and closing costs. 10-year second mortgage at first mortgage rate.

ADFA provides up to $15,000 in DPA in one of America's most affordable states. With median prices around $180,000, ADFA's assistance covers more than 8% of a typical purchase — often eliminating all out-of-pocket costs.

Amount$15,000

TypeSecond mortgage

Available inArkansas

First-time buyer requiredYes

Minimum credit score640

Multi-unit eligibleYes — 1-4 units

House-hack eligible

This program can be used on 1-4 unit properties. Live in one unit, rent the others.

Programs that pair with this

FHA Loan Saves ~$33,000 on a $200K home vs 20% down

Federal · Subsidized loan

VA Loan $0 down + no monthly mortgage insurance

Federal · Federal benefit

NACA Program $0 down + $0 closing + $0 PMI + below-market rate

National · Nonprofit program

ADFA Move-Up Below-market rate + $15K DPA for repeat buyers

Arkansas · Subsidized loan

ADFA Arkansas Dream (ADDI) $10,000

Arkansas · Forgivable loan

ADFA Mortgage Credit Certificate Up to $2,000/year tax credit

Arkansas · Annual tax credit

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