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?
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.
Application timing
For Move-Up, the authorized lender reserves and rate-locks through MITAS, closes within 30 days, and uploads the closing package within 50 days of reservation; ADFA lists no pre-closing review for Move-Up.
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
Timing: For Move-Up, the authorized lender reserves and rate-locks through MITAS, closes within 30 days, and uploads the closing package within 50 days of reservation; ADFA lists no pre-closing review for Move-Up.
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
- Is your team approved to originate ADFA Move-Up Loan Program for this household and loan setup?
- Which first-mortgage product must be paired with ADFA Move-Up Loan Program, and what breaks eligibility?
Action checklist preview
What you would do next
- Review the official Move-Up program page for ADFA Move-Up Loan Program
- Ask whether your lender is approved for this exact program and loan structure.
