Forgivable loan
University District Development Corporation (UDDC) First-Time Homebuyer Program
First-time homebuyers · New construction · Income limits · single_family
Down payment assistance · Pulaski County
Buying a home in Little Rock, AR
3 Little Rock programs and 9 statewide.Little Rock has 3 programs 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 Little Rock addresses
Little Rock’s own programs
Forgivable loan
City of Little Rock Down Payment Assistance Program
First-time homebuyers · Income limits
First mortgage
Habitat for Humanity of Central Arkansas Homeownership Program
New construction · Income limits
The Little Rock marketThe Little Rock housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Little Rock
- 60% single-familysingle-family
- 1.6% townhousetownhouse
- 7.6% 2–4 units2–4 units
- 28.6% 5+ unitscondo & apartment buildings (5+ units)
- 2.2% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Little Rock’s homes were built
pre-19401970s2020+
52.7%
of Little Rock 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.
$93,700
County area median income, 4 people (HUD)HUD area median income, Pulaski County, 4-person household (2026)
$63,003
Little Rock median household incomeMedian household income in Little Rock (Census, 2024)
13 of the 74 programs here set their income limit as a share of Pulaski County’s area median income, adjusted for household size. See the published limits for Pulaski County
Free help nearbyFree help near Little Rock
5 HUD-approved counseling agencies within 15 miles5 HUD-approved housing counseling agencies within 15 miles
2 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.2 of the 3 local programs here ask 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
Little Rock questions
Does Little Rock have its own down payment program?
Yes, 3: University District Development Corporation (UDDC) First-Time Homebuyer Program, City of Little Rock Down Payment Assistance Program and Habitat for Humanity of Central Arkansas Homeownership Program. Each is for homes inside Little Rock.
Can I use assistance on a condo in Little Rock?
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 Pulaski County?
Each program sets its own. 13 of the programs here set theirs as a share of HUD’s area median income for Pulaski 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 Little Rock?
HUD-approved housing counseling agencies teach homebuyer classes, and 5 agencies are within 15 miles of Little Rock. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
72201 · 72202 · 72203 · 72204 · 72205 · 72206 · 72207 · 72209 · 72210 · 72211 · 72212 · 72214 · 72215 · 72216 · 72217 · 72219 · 72221 · 72222 · 72223 · 72225 · 72227 · 72231 · 72260 · 72295
Nearby in Pulaski
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.