Arkansas · Subsidized loan

ADFA Move-Up

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

30-year fixed for repeat buyers. Pairs with DPA up to $15,000. Not limited to first-time buyers.

ADFA's Move-Up program breaks the mold by offering DPA to repeat buyers — homeowners who've owned before and are purchasing their next property. Most state DPA programs are restricted to first-time buyers, making Move-Up one of the few options for experienced homeowners who need assistance with their next purchase.

The program works with ADFA's first mortgage rates and standard eligibility requirements. For landlords who sold a previous property and are looking to re-enter the market, or families upsizing from a starter home, Move-Up removes the DPA barrier that would otherwise exclude them.

AmountBelow-market rate + $15K DPA for repeat buyers
TypeSubsidized loan
Available inArkansas
First-time buyer requiredNo
Minimum credit score640
Multi-unit eligibleYes — 1-4 units

House-hack eligible

Repeat buyers can access $15K DPA — strong for portfolio expansion in affordable AR markets.

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 Down Payment Assistance $15,000
Arkansas · Second mortgage
ADFA Arkansas Dream (ADDI) $10,000
Arkansas · Forgivable loan
ADFA Mortgage Credit Certificate Up to $2,000/year tax credit
Arkansas · Annual tax credit
All Arkansas programs →

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