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Explore ADFA Programs

Participating lenders originate, process and close all ADFA homebuyer loans. Most lenders will prequalify a potential homebuyer before they purchase a home. Get in touch with an ADFA approved lender who will match you with the program that best meets your needs.

StartSmart First-Time Homebuyer Program

The StartSmart Mortgage Loan Program offers a below market interest rate mortgage to: (1) qualified low-to-moderate income first time homebuyers, (2) individuals purchasing...

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Move-Up Loan Program

The "ADFA Move-Up" Loan Program offers homebuyers an affordable mortgage. And when using an “ADFA Move-Up” loan, borrowers may be eligible to combine it with other ADFA...

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Down Payment Assistance Program

The ADFA Down Payment Assistance Program (DPA) can provide up to $15,000 for down payment and closing cost assistance. ADFA's Down Payment Assistance (DPA) Loan...

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Current Loan Rates

Loan Programs Loan Term Loan Rates
ADFA StartSmart Program: Government Mortgage Loan Learn More 30-Year Fixed Rate 5.50% Find A Lender
ADFA StartSmart Program: Freddie Mac Below 80% AMI Learn More 30-Year Conventional Rate 5.875% Find a Lender
ADFA Move-Up Program: Government Mortgage Loan Lean More 30-Year Fixed Rate 6.75% Find a Lender
ADFA Move-Up Program: Conventional Loan Rate Below 80% AMI Learn More 30-Year HFA 6.875% Find a Lender
ADFA Move Up Program: Conventional Loan Rate Above 80% AMI Learn More 30-Year HFA 7.00% Find a Lender

LAST UPDATED: 04/23/2025 at 08:20 AM

*ADFA StartSmart and Move-Up loan offer Down Payment Assistance for qualifying homebuyers. Contact a participating lender for Annual Percentage Rate (APR) information. Rates are subject to change without prior notice.

We would not have been able to get the mortgage without down payment assistance. I know the StartSmart program is going to help us keep our monthly payment down and our overall cost.

Abraham S. StartSmart First-Time Homebuyer

Latest News

April 24, 2025 Industry News
Public Comment – Policy on Good Standing

Memo To: Applicants for loans, financing, tax credits, awards and other benefits through the Arkansas...

April 16, 2025 Industry News
NOTICE OF FINDING OF NO SIGNFICANT IMPACT AND NOTICE OF INTENT TO REQEST RELEASE OF FUNDS – THE BLUFFS AT SHACKLEFORD

These notices shall satisfy two separate but related procedural requirements for activitiesto be undertaken by...

March 25, 2025 Industry News Uncategorized
NOTICE OF FINDING OF NO SIGNFICANT IMPACT AND NOTICE OF INTENT TO REQEST RELEASE OF FUNDS

NOTICE OF INTENT TO REQUEST RELEASE OF FUNDS These notices shall satisfy two separate but...

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May 15, 2025
May 15, 2025, ADFA Board Meeting
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