Your real Arkansas affordability, the ADFA Down Payment Assistance (Move-Up) match, and a step-by-step plan — in 30 seconds. No email required.
Calculate your Arkansas number — free →The ADFA Down Payment Assistance (Move-Up) is Arkansas's flagship statewide down payment assistance, administered by the state housing finance agency (second mortgage). Current amounts, income limits and credit requirements are set by the agency — confirm them on the official program page. Cities and counties in Arkansas often add their own programs on top.
Official Arkansas program page →Arkansas's main statewide option is the ADFA Down Payment Assistance (Move-Up) — second mortgage administered by the state housing finance agency. Many cities and counties in Arkansas add their own programs on top, so it is worth checking all three levels.
It depends on your income, debts and credit. The calculator applies the FHA 31%/43% debt-to-income rule to estimate your price, then shows how much of your down-payment gap Arkansas assistance could cover. Most buyers pair it with a 3% conventional or 3.5% FHA down payment.
Many state programs set a 620 minimum credit score alongside income limits based on area median income. Exact requirements are set by the agency — verify current terms on the official ADFA Down Payment Assistance (Move-Up) page before applying.