Deferred second loan
Home-buyer Assistance Program
First-time homebuyers · Income limits · Single-family detached (open market, HUD-repossessed, or for-sale-by-owner)
Down payment assistance · Jefferson County
Buying a home in Pine Bluff, AR
1 Pine Bluff program and 9 statewide.Pine Bluff 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 Pine Bluff addresses
Pine Bluff’s own program
The Pine Bluff marketThe Pine Bluff housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Pine Bluff
- 73.4% single-familysingle-family
- 1% townhousetownhouse
- 6.7% 2–4 units2–4 units
- 14.6% 5+ unitscondo & apartment buildings (5+ units)
- 4.4% mobile & othermobile home & other
About condos. Pine Bluff’s one local program does not list condos as eligible. Home-buyer Assistance Program lists single-family detached (open market, hud-repossessed, or for-sale-by-owner).
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Pine Bluff’s homes were built
pre-19401970s2020+
67.4%
of Pine Bluff 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.
$67,900
County area median income, 4 people (HUD)HUD area median income, Jefferson County, 4-person household (2026)
$42,718
Pine Bluff median household incomeMedian household income in Pine Bluff (Census, 2024)
12 of the 72 programs here set their income limit as a share of Jefferson County’s area median income, adjusted for household size. See the published limits for Jefferson County
Free help nearbyFree help near Pine Bluff
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Pine Bluff’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Home-buyer Assistance Program 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
Pine Bluff questions
Does Pine Bluff have its own down payment program?
Yes, one: Home-buyer Assistance Program, a deferred second loan for first-time homebuyers (forgiven over 5 yrs, income limits). It is for homes inside Pine Bluff.
Can I use assistance on a condo in Pine Bluff?
Pine Bluff’s one local program does not list condos as eligible. Home-buyer Assistance Program lists single-family detached (open market, hud-repossessed, or for-sale-by-owner). Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in Jefferson County?
Each program sets its own. 12 of the programs here set theirs as a share of HUD’s area median income for Jefferson 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 Pine Bluff?
HUD-approved housing counseling agencies teach homebuyer classes. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
71601 · 71603 · 71611 · 71613
Nearby in Jefferson
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.