Deferred second loan
Fort Smith Homebuyers Assistance Program (FSHAP)
Income limits
Down payment assistance · Sebastian County
Buying a home in Fort Smith, AR
1 Fort Smith program and 9 statewide.Fort Smith has 1 program of its own, and 9 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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Only for Fort Smith addresses
Fort Smith’s own program
The Fort Smith marketThe Fort Smith housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Fort Smith
- 66.2% single-familysingle-family
- 3.4% townhousetownhouse
- 13.8% 2–4 units2–4 units
- 16.2% 5+ unitscondo & apartment buildings (5+ units)
- 0.4% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Fort Smith’s homes were built
pre-19401970s2020+
56.5%
of Fort Smith homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$76,800
County area median income, 4 people (HUD)HUD area median income, Sebastian County, 4-person household (2026)
$54,816
Fort Smith median household incomeMedian household income in Fort Smith (Census, 2024)
11 of the 72 programs here set their income limit as a share of Sebastian County’s area median income, adjusted for household size. See the published limits for Sebastian County
Free help nearbyFree help near Fort Smith
2 HUD-approved counseling agencies within 15 miles2 HUD-approved housing counseling agencies within 15 miles
Fort Smith’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Fort Smith Homebuyers Assistance Program (FSHAP) asks for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
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Across Arkansas and nationwide
71 statewide & federal programs9 statewide programs, plus federal options
Fort Smith questions
Does Fort Smith have its own down payment program?
Yes, one: Fort Smith Homebuyers Assistance Program (FSHAP), a deferred second loan (income limits). It is for homes inside Fort Smith.
Can I use assistance on a condo in Fort Smith?
Each program sets which kinds of homes it accepts. Where the agency publishes them, the program’s page lists them; the agency confirms it for the home you choose.
What is the income limit in Sebastian County?
Each program sets its own. 11 of the programs here set theirs as a share of HUD’s area median income for Sebastian County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Fort Smith?
HUD-approved housing counseling agencies teach homebuyer classes, and 2 agencies are within 15 miles of Fort Smith. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
72901 · 72902 · 72903 · 72904 · 72905 · 72906 · 72908 · 72913 · 72914 · 72916 · 72917 · 72918 · 72919
Nearby in Sebastian
Sources
Sources: agency sites (June–September 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (June–September 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.