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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 5.75% Find A Lender
ADFA StartSmart Program: Freddie Mac Below 80% AMI Learn More 30-Year Conventional Rate 6.125% 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: 07/14/2025 at 08:29 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

July 1, 2025 Legal Notice
Notice of Availability of Emergency Solutions Grant Funding

Arkansas Development Finance Agency, (ADFA)PO Box 8023Little Rock, AR 72203-8023 Contact Person: Pagan Williams, Project...

June 30, 2025 Legal Notice
Notice of Finding of No Significant Impact & Notice of Intent to Request Release of Funds – Walnut Commons

These notices shall satisfy two separate but related procedural requirements for activities to be undertaken...

June 24, 2025 Industry News
DRAFT – Affordable Housing Compliance Manual – 2025

ADFA Compliance Department under the guidance of US Housing Consultants has drafted a New Affordable...

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Upcoming Events

July 17, 2025
July ADFA Board Meeting
Event Details
July 21, 2025
Follow-Up Board Housing Review Committee – 2026 QAP Discussion
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August 28, 2025
DEVELOPER ORIENTATION TRAINING
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