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Down payment assistance income limits in Arkansas

18 down payment assistance programs in Arkansas publish an income limit, a purchase price cap, or both.

Every figure below is the limit the administering agency publishes. Limits are revised as area incomes and local prices move, so confirm current figures with the agency before relying on them.

Area median income by county

HUD's published four-person area median income for each Arkansas county. A program that sets its limit at a percentage of area median income applies that percentage to the figure for the county where the home is, adjusted for household size.

HUD four-person area median income by county in Arkansas
CountyPublished4-person median
Arkansas2026$70,700
Ashley2026$62,900
Baxter2026$69,000
Benton2026$106,900
Boone2026$73,600
Bradley2026$71,000
Calhoun2026$84,500
Carroll2026$77,600
Chicot2026$55,000
Clark2026$76,400
Clay2026$64,100
Cleburne2026$71,300
Cleveland2026$78,900
Columbia2026$68,600
Conway2026$68,200
Craighead2026$75,600
Crawford2026$76,800
Crittenden2026$92,700
Cross2026$66,300
Dallas2026$71,600
Desha2026$50,300
Drew2026$67,000
Faulkner2026$93,700
Franklin2026$75,300
Fulton2026$57,900
Garland2026$81,600
Grant2026$92,100
Greene2026$71,100
Hempstead2026$68,000
Hot Spring2026$74,400
Howard2026$59,800
Independence2026$70,700
Izard2026$62,800
Jackson2026$59,100
Jefferson2026$67,900
Johnson2026$64,800
Lafayette2026$65,200
Lawrence2026$62,600
Lee2026$46,900
Lincoln2026$73,000
Little River2026$76,400
Logan2026$78,300
Lonoke2026$93,700
Madison2026$106,900
Marion2026$63,900
Miller2026$78,300
Mississippi2026$67,400
Monroe2026$68,000
Montgomery2026$64,300
Nevada2026$66,600
Newton2026$65,300
Ouachita2026$65,600
Perry2026$93,700
Phillips2026$55,800
Pike2026$71,800
Poinsett2026$65,700
Polk2026$67,000
Pope2026$75,100
Prairie2026$91,000
Pulaski2026$93,700
Randolph2026$69,500
Saint Francis2026$55,600
Saline2026$93,700
Scott2026$61,600
Searcy2026$58,700
Sebastian2026$76,800
Sevier2026$70,100
Sharp2026$64,400
Stone2026$60,800
Union2026$75,900
Van Buren2026$66,900
Washington2026$106,900
White2026$75,600
Woodruff2026$65,600
Yell2026$73,900

Published limits by program

Published income limits and purchase price caps by program in Arkansas
ProgramIncome limitPrice cap
ADFA Down Payment Assistance (DPA)Statewide · Statewide$142,000Borrower qualifying income may not exceed $142,000 statewide. Bond/program income limits also apply by household size and county for the StartSmart first mortgage; combined household income at the 80% AMI floor (1-person Statewide) is approximately $80,520, with a Move-Up cap of approximately $142,520 in higher-income counties.$806,500
ADFA Mortgage Credit Certificate (MCC) ProgramSee programHousehold income cannot exceed ADFA MCC maximum limits (vary by county/household size).$250,000
ADFA Move-Up Loan Program$142,000Borrower qualifying income cannot exceed $142,000.—
ADFA StartSmart First-Time Homebuyer ProgramSee programHousehold income cannot exceed maximum limits that vary by county and household size; see ADFA StartSmart Income Limits PDF.$500,000
Arkansas Dream Downpayment Initiative (ADDI)See programAnnual household income must fall within set limits based on county where property is located and household size (low-income limits); not confirmed to a single %AMI on official source - left blank to avoid guessing—
City of Jonesboro Homeownership Assistance ProgramJonesboro · CraigheadSee programTargeted to low- and moderate-income homebuyers; income eligibility verified by the city.—
City of Little Rock Down Payment Assistance ProgramLittle Rock · Pulaski80% of area median incomeAnnual household income at or below 80% of area median income, adjusted for family size.—
FHLB Dallas Homebuyer Equity Leverage Partnership (HELP)Statewide · Statewide80% of area median incomeHousehold income at or below 80% of area median income (AMI) as defined by HUD—
Fort Smith Homebuyers Assistance Program (FSHAP)Fort Smith · SebastianSee programLow- and moderate-income; income eligibility certified by C-SCDC using the HUD Income Calculator.$160,000
Habitat for Humanity of Central Arkansas Homeownership ProgramLittle Rock · PulaskiSee programFamily income must fall within Habitat income guidelines (past three years); applicants must demonstrate ability to pay—
Habitat for Humanity of Northeast Arkansas Homeownership ProgramJonesboro · CraigheadSee programMust meet Habitat income guidelines (ability to pay an affordable 0% mortgage and demonstrate housing need); specific AMI percentages/limits not published by the affiliate.—
Habitat for Humanity of Northwest Arkansas Homeownership ProgramFayetteville · Benton; Washington80% of area median incomeHouseholds must earn 50%-80% of HUD area median income for the Northwest Arkansas region (Benton & Washington Counties). Affiliate cites a current NWA regional median income of $106,900 (2026); HUD limits updated annually by family size.—
Home-buyer Assistance ProgramPine Bluff · Jefferson80% of area median incomeGross annual household income may not exceed 80% of HUD AMI for Pine Bluff MSA. By household size, the Pine Bluff 80% AMI limits range approximately from $36,550 (1-person) to $68,850 (8-person), with a 4-person limit of approximately $52,200.—
Southern Bancorp Wealth Builders for Everyone Down Payment Assistance ProgramSee programTargeted to low-to-moderate-income (LMI) homebuyers; specific limits set by SBCP.—
UHDC Mutual Self-Help Housing Program (USDA Section 502)Russellville · PopeSee programTargets very-low- and low-income families per USDA Section 502 Direct income limits (county-specific - verify on the official USDA income eligibility site)—
University District Development Corporation (UDDC) First-Time Homebuyer ProgramLittle Rock · Pulaski80% of area median incomeAnticipated annual income must not exceed 80% of Area Median Income, adjusted for family size; UDDC uses current income documentation (pay stubs, benefit receipts) rather than prior-year tax returns—
USDA Section 502 Direct Home Loan Program (Arkansas)Statewide · Statewide80% of area median incomeApplicant adjusted income must be at or below the applicable low-income limit for the area (low- and very-low-income applicants); county-specific - verify on the USDA income eligibility site—
USDA Section 502 Guaranteed Loan Program (Arkansas)Statewide · Statewide115% of area median incomeAdjusted household income may not exceed 115% of area median income; county-specific - verify on the USDA income eligibility site—

Questions, answered

What are the income limits for down payment assistance in Arkansas?

18 down payment assistance programs in Arkansas publish an income limit, a purchase price cap, or both. 7 express the limit as a percentage of the area median income for the county where the home is, and 3 publish a flat dollar figure instead.

Why does the same program have different income limits in different counties?

Because most limits are set as a percentage of area median income, which HUD publishes per county and revises annually. A program with one published percentage therefore admits a different dollar figure in each county, and the figure is further adjusted for household size.

Is a published limit the same as being approved?

No. An income limit is one eligibility rule among several — credit requirements, purchase price caps, occupancy rules and homebuyer education all apply separately, and the first-mortgage lender underwrites on its own terms. Always confirm current figures with the administering agency.

Is Hey Prescott a lender?

No. Hey Prescott is an educational directory of down payment assistance programs. We list programs and link to official sources; we do not make loans or give individualized lending advice.

How income limits work, nationally →

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