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.
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Arkansas Homebuying and Terminology Guide - GO TO VIDEO
This informative 6-minute video will help guide you through the homeownership process.
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...
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...
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...
Current Loan Rates
| Loan Programs | Loan Term | Loan Rates | |
|---|---|---|---|
| ADFA StartSmart Program: Government Mortgage Loan Learn More | 30-Year Fixed Rate | 5.25% | Find A Lender |
| ADFA StartSmart Program: Freddie Mac Below 80% AMI Learn More | 30-Year Conventional Rate | 5.50% | Find a Lender |
| ADFA Move-Up Program: Government Mortgage Loan Lean More | 30-Year Fixed Rate | 6.00% | Find a Lender |
| ADFA Move-Up Program: Conventional Loan Rate Below 80% AMI Learn More | 30-Year HFA | 6.25% | Find a Lender |
| ADFA Move Up Program: Conventional Loan Rate Above 80% AMI Learn More | 30-Year HFA | 6.375% | Find a Lender |
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
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HOME – Notice of HOME funding availability for 2026 LIHTC applications
TO: Tax Credit Recipients and Tax Credit Applicants DATE: October 16, 2025 FROM: Lori Brockway...