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Arkansas program

ADFA Down Payment Assistance Loan Program

Arkansas route through Arkansas Development Finance Authority (ADFA). This page stays free for the core public facts. Open paid access only when you need the full state board, related paths, and the decision layer around this program.

Deferred second mortgage Check official rules 2026-04-19
Agency Arkansas Development Finance Authority (ADFA)
Support type Deferred second mortgage
Amount highlight A statewide second-mortgage down payment and closing-cost assistance loan ranging from $1,000 to $15,000 for qualifying ADFA StartSmart or Move-Up borrowers.
Last verified 2026-04-19

Open questions

This is a loan, not a grant

This page stays public because the official structure is still useful, but these details should not be flattened into fake certainty.

The official ADFA page describes a 10-year second mortgage. It does not publish a forgiveness path on the cited consumer page.

Decision-ready public facts

What stays free on this program page

Quick answer from published facts. Use this first, then jump to Go to Arkansas program hub if you need the wider state context.

Amount

A statewide second-mortgage down payment and closing-cost assistance loan ranging from $1,000 to $15,000 for qualifying ADFA StartSmart or Move-Up borrowers.

Type

Deferred second mortgage

Second mortgage assistance loan

Repayment

The official ADFA DPA page says the assistance is a second mortgage with a 10-year term for qualifying StartSmart or Move-Up borrowers. The cited consumer page does not publish a forgiveness structure, so buyers should treat it as repayable assistance documented at closing by the participating lender.

First-time buyer

Not required

Program guide

What to know before you click through

This is still the free fact layer. Open the official source when a detail affects eligibility, repayment, lender choice, or whether this path should stay on your shortlist.

Who qualifies?

Borrowers already qualifying for an ADFA StartSmart first mortgage, Borrowers already qualifying for an ADFA Move-Up first mortgage, Arkansas buyers using an ADFA approved lender

What support do you get?

A statewide second-mortgage down payment and closing-cost assistance loan ranging from $1,000 to $15,000 for qualifying ADFA StartSmart or Move-Up borrowers.

Do you repay it?

The official ADFA DPA page says the assistance is a second mortgage with a 10-year term for qualifying StartSmart or Move-Up borrowers. The cited consumer page does not publish a forgiveness structure, so buyers should treat it as repayable assistance documented at closing by the participating lender.

How do you apply?

First qualify for an ADFA StartSmart or Move-Up first mortgage through an ADFA approved lender, then have the lender structure the statewide ADFA DPA second mortgage at closing.

Application timing

Authorized lenders reserve ADFA DPA through the MITAS lender portal with the ADFA first mortgage; the loan must close within 30 days, the closing package is due within 50 days of reservation, and the DPA award letter should be requested 24 to 48 business hours before closing.

Official source evidence

The official ADFA Down Payment Assistance page says the loan is available only to qualifying StartSmart or Move-Up applicants, ranges from $1,000 to $15,000, allows cash back for paid outside closing costs, and uses a second mortgage with a 10-year term.

View official source

Last verified

2026-04-19

rates posted 2026-04-09

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What paid access adds for ADFA Down Payment Assistance Loan Program

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Example paid output for this program. The free page stays visible either way.

Comparison preview

ADFA Down Payment Assistance Loan Program

Amount: A statewide second-mortgage down payment and closing-cost assistance loan ranging from $1,000 to $15,000 for qualifying ADFA StartSmart or Move-Up borrowers.

Repayment: The official ADFA DPA page says the assistance is a second mortgage with a 10-year term for qualifying StartSmart or Move-Up borrowers. The cited consumer page does not publish a forgiveness structure, so buyers should treat it as repayable assistance documented at closing by the participating lender.

First-time buyer: Not required

Timing: Authorized lenders reserve ADFA DPA through the MITAS lender portal with the ADFA first mortgage; the loan must close within 30 days, the closing package is due within 50 days of reservation, and the DPA award letter should be requested 24 to 48 business hours before closing.

Risk checks preview

What gets flagged before you call a lender

  • ADFA Down Payment Assistance Loan Program requires a participating lender.
  • ADFA Down Payment Assistance Loan Program must be paired with a specific first mortgage.

Lender questions preview

Questions tied to this exact path

  • Is your team approved to originate ADFA Down Payment Assistance Loan Program for this household and loan setup?
  • Which first-mortgage product must be paired with ADFA Down Payment Assistance Loan Program, and what breaks eligibility?

Action checklist preview

What you would do next

  • Review the official Down Payment Assistance Program page for ADFA Down Payment Assistance Loan Program
  • Ask whether your lender is approved for this exact program and loan structure.
Open the full Arkansas board

Paid research preview

What paid research already covers in Arkansas

Paid research already tracks city and county programs, specialty and conditional paths for Arkansas.

3 tracked deeper records

These are not generic promises. They are the local, employer, public-employee, and specialty directions already sitting behind the paid layer.

What unlocks after payment

Specific program names, source notes, current-vs-conditional judgments, and the next lender or agency questions tied to this state.

2 tracked

city and county programs

City and county down payment or closing-cost programs that never make it into the free statewide layer.

1 tracked

specialty and conditional paths

Conditional, paused, or specialty paths worth checking before you assume the state is a dead end.

Open the full Arkansas board

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