Official program database FirstResponderHomePrograms

Public facts first. Not a lender.

Arkansas program

ADFA Move-Up Loan Program

Arkansas route through Arkansas Development Finance Authority (ADFA). Use this page to confirm the core public facts first, then decide whether you need deeper comparison output and lender-call prep.

State-backed first mortgage Check official rules 2026-04-19
Agency Arkansas Development Finance Authority (ADFA)
Support type State-backed first mortgage
Amount highlight Statewide first mortgage for buyers who do not need a first-time-homebuyer program, with a separate ADFA Down Payment Assistance second-mortgage option available for qualifying borrowers.
Last verified 2026-04-19

Open questions

Move-Up can still pair with DPA

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

Move-Up is not just a plain mortgage. ADFA also says qualifying Move-Up borrowers can pair it with the separate statewide DPA second mortgage.

Decision-ready public facts

What this program appears to offer

Quick answer from published facts. Go to Arkansas program hub

Amount

Statewide first mortgage for buyers who do not need a first-time-homebuyer program, with a separate ADFA Down Payment Assistance second-mortgage option available for qualifying borrowers.

Type

State-backed first mortgage

Repayment

Move-Up itself is a statewide 30-year fixed-rate first mortgage path, so standard repayment follows the underlying mortgage. If the borrower also uses ADFA Down Payment Assistance, that repayable second mortgage follows the separate ADFA assistance-loan rules.

First-time buyer

Not required

Program guide

What to know before you click through

Use the public facts first. Open the official source when a detail affects eligibility, repayment, or lender choice.

Who qualifies?

Arkansas repeat homebuyers, Arkansas first-time homebuyers who prefer the Move-Up path, Borrowers using an ADFA approved lender, Buyers with qualifying income at or below $142,000

What support do you get?

Statewide first mortgage for buyers who do not need a first-time-homebuyer program, with a separate ADFA Down Payment Assistance second-mortgage option available for qualifying borrowers.

Do you repay it?

Move-Up itself is a statewide 30-year fixed-rate first mortgage path, so standard repayment follows the underlying mortgage. If the borrower also uses ADFA Down Payment Assistance, that repayable second mortgage follows the separate ADFA assistance-loan rules.

How do you apply?

Work with an ADFA approved lender, confirm the Move-Up statewide first-mortgage path, and close the 30-year fixed-rate first mortgage together with any separately qualified ADFA DPA option if needed.

Official source evidence

The official ADFA Move-Up page says the program uses a 30-year fixed-rate mortgage, has no first-time-homebuyer requirement, requires a minimum 640 credit score, caps qualifying income at $142,000, and limits purchase price to the current Arkansas conventional conforming loan limit. The ADFA Homeownership hub says qualifying borrowers can also use the separate ADFA down payment assistance loan.

View official source

Last verified

2026-04-19

rates posted 2026-04-09

Paid preview

What paid access adds for ADFA Move-Up Loan Program

See the shape of the comparison output, risk checks, lender questions, and next-step checklist before you decide whether this program is worth carrying into the paid layer.

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

Comparison preview

ADFA Move-Up Loan Program

Amount: Statewide first mortgage for buyers who do not need a first-time-homebuyer program, with a separate ADFA Down Payment Assistance second-mortgage option available for qualifying borrowers.

Repayment: Move-Up itself is a statewide 30-year fixed-rate first mortgage path, so standard repayment follows the underlying mortgage. If the borrower also uses ADFA Down Payment Assistance, that repayable second mortgage follows the separate ADFA assistance-loan rules.

First-time buyer: Not required

Risk checks preview

What gets flagged before you call a lender

  • ADFA Move-Up Loan Program requires a participating lender.
  • ADFA Move-Up Loan Program must be paired with a specific first mortgage.

Lender questions preview

Questions tied to this exact path

  • Does ADFA Move-Up Loan Program require a participating lender for this household and loan setup?
  • Which first-mortgage product must be paired with ADFA Move-Up Loan Program, and can it be combined with the saved options?

Action checklist preview

What you would do next

  • Confirm whether ADFA Move-Up Loan Program requires a participating lender.
  • Verify the required first-mortgage pairing for ADFA Move-Up Loan Program.
Unlock comparison and lender prep for Arkansas

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.

See deeper Arkansas leads

Private workspace

What paid access adds to this program

The free page gives you the public facts. Paid access turns this program into a shortlist item, comparison row, risk check, and lender-call prep surface.

If the public facts still look relevant, paid access is where you decide whether this path is stronger than your fallback.

Save for comparison

Keep this program in your shortlist

Active accounts can save this program in one click. If you still need sign-in or checkout, the same button routes you to the right next step.

Save this program for side-by-side comparison and later follow-up.

Decision output

Comparison, risk checks, and lender prep

Use the paid layer for side-by-side comparison, overlap checks, lender questions, and next-step notes tied to this exact program.

Open shortlist See deeper state leads