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Get Matched Free →Homebuyer Programs in Jacksonville, AR (2026)
Jacksonville is a growing community in Pulaski County just northeast of Little Rock, with a median home price around $179,000. Buyers here benefit from the city's own Homebuyers Assistance Grant (HAG), which provides up to $3,000 to cover closing costs. On top of that, the ADFA Down Payment Assistance Program offers $1,000 to $15,000, and the Arkansas Dream Down Payment Initiative (ADDI) provides up to 10% of the purchase price as a forgivable loan, capped at $10,000. Nonprofit options include the Southern Bancorp Wealth Builders DPA Program with up to $12,000 in forgivable loans and the Habitat for Humanity of Central Arkansas homeownership program. By stacking local, state, and federal programs, Jacksonville buyers can potentially access over $30,000 in combined assistance.
Top Homebuyer Programs in Jacksonville
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| Jacksonville Homebuyers Assistance Grant (HAG) | Grant | Up to $3,000 (50% of out-of-pocket closing costs) | No | View → |
| FHA Loans | Government-Insured Mortgage | Up to FHA county loan limits ($541,287 floor to $1,249,125 ceiling for single-family in 2026) | No | View → |
| FHLBA Community Partners Product | Forgivable Loan | Up to $20,000 in home purchase assistance for down payment and closing costs | No | View → |
| FHLBA First Time Homebuyer Product | Forgivable Loan | Up to $17,500 in home purchase assistance for down payment and closing costs | Yes | View → |
| FHLBA Workforce Housing Plus+ | Forgivable Loan | Up to $15,000 in home purchase assistance for down payment and closing costs | No | View → |
| Good Neighbor Next Door (HUD) | Government Property Sale Program | 50% discount off the list price of HUD-owned homes | Yes | View → |
| Home Possible Mortgage (Freddie Mac) | Government-Guaranteed Mortgage | Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment | No | View → |
| HomeReady Mortgage (Fannie Mae) | Government-Guaranteed Mortgage | Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment | No | View → |
| HUD $100 Down Program | FHA-Financed HUD REO Purchase | Only $100 down payment required (vs. standard 3.5% FHA down payment). HUD may also pay up to 3% of buyer's closing costs. | No | View → |
| USDA Rural Development Loans | Government-Guaranteed Mortgage | 100% financing (no down payment required); loan amount up to appraised value | No | View → |
| VA Loans | Government-Guaranteed Mortgage | No loan limit for veterans with full entitlement (0% down at any price); partial entitlement subject to conforming limits ($832,750 standard in 2026) | No | View → |
| Habitat for Humanity of Central Arkansas Homeownership Program | Zero-Interest Loan | Affordable home purchase with zero-interest mortgage and reduced purchase price | No | View → |
| People Trust Community Loan Fund Homebuyer Assistance | Zero-Interest Loan | First-time homebuyer assistance loans (amounts vary) | Yes | View → |
| Southern Bancorp Wealth Builders DPA Program | Forgivable Loan | Up to $12,000 | No | View → |
| ADFA Down Payment Assistance Program | Repayable Loan | $1,000 to $15,000 for down payment and closing costs | No | View → |
| ADFA Move-Up Loan Program | Zero-Interest Loan | Affordable 30-year fixed-rate mortgage with competitive interest rates | No | View → |
| ADFA StartSmart First-Time Homebuyer Program | Zero-Interest Loan | Below-market interest rate (approximately 1% below market rate) on a 30-year fixed mortgage | Yes | View → |
| Arkansas Dream Down Payment Initiative (ADDI) | Forgivable Loan | Up to 10% of the sale price, not to exceed $10,000 | Yes | View → |
- Type:
- Grant
- Amount:
- Up to $3,000 (50% of out-of-pocket closing costs)
- First-time only:
- No
- Type:
- Government-Insured Mortgage
- Amount:
- Up to FHA county loan limits ($541,287 floor to $1,249,125 ceiling for single-family in 2026)
- First-time only:
- No
- Type:
- Forgivable Loan
- Amount:
- Up to $20,000 in home purchase assistance for down payment and closing costs
- First-time only:
- No
- Type:
- Forgivable Loan
- Amount:
- Up to $17,500 in home purchase assistance for down payment and closing costs
- First-time only:
- Yes
- Type:
- Forgivable Loan
- Amount:
- Up to $15,000 in home purchase assistance for down payment and closing costs
- First-time only:
- No
- Type:
- Government Property Sale Program
- Amount:
- 50% discount off the list price of HUD-owned homes
- First-time only:
- Yes
- Type:
- Government-Guaranteed Mortgage
- Amount:
- Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment
- First-time only:
- No
- Type:
- Government-Guaranteed Mortgage
- Amount:
- Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment
- First-time only:
- No
- Type:
- FHA-Financed HUD REO Purchase
- Amount:
- Only $100 down payment required (vs. standard 3.5% FHA down payment). HUD may also pay up to 3% of buyer's closing costs.
- First-time only:
- No
- Type:
- Government-Guaranteed Mortgage
- Amount:
- 100% financing (no down payment required); loan amount up to appraised value
- First-time only:
- No
- Type:
- Government-Guaranteed Mortgage
- Amount:
- No loan limit for veterans with full entitlement (0% down at any price); partial entitlement subject to conforming limits ($832,750 standard in 2026)
- First-time only:
- No
- Type:
- Zero-Interest Loan
- Amount:
- Affordable home purchase with zero-interest mortgage and reduced purchase price
- First-time only:
- No
- Type:
- Zero-Interest Loan
- Amount:
- First-time homebuyer assistance loans (amounts vary)
- First-time only:
- Yes
- Type:
- Forgivable Loan
- Amount:
- Up to $12,000
- First-time only:
- No
- Type:
- Repayable Loan
- Amount:
- $1,000 to $15,000 for down payment and closing costs
- First-time only:
- No
- Type:
- Zero-Interest Loan
- Amount:
- Affordable 30-year fixed-rate mortgage with competitive interest rates
- First-time only:
- No
- Type:
- Zero-Interest Loan
- Amount:
- Below-market interest rate (approximately 1% below market rate) on a 30-year fixed mortgage
- First-time only:
- Yes
- Type:
- Forgivable Loan
- Amount:
- Up to 10% of the sale price, not to exceed $10,000
- First-time only:
- Yes
How to Apply
- Step 1:
Check your eligibility. Review income limits for Pulaski County under both the Jacksonville HAG program (Federal Income Guidelines) and ADFA programs (Area Median Income thresholds).
- Step 2:
Complete homebuyer education. A HUD-approved homebuyer education course is required for most programs. Contact the Arkansas Development Finance Authority at (501) 682-5900 for approved providers, or reach out to Habitat for Humanity of Central Arkansas at (501) 251-6757 for their homebuyer education courses.
- Step 3:
Apply for the Jacksonville Homebuyers Assistance Grant. Contact the City of Jacksonville Community Development Department. The HAG covers 50% of your out-of-pocket closing costs up to $3,000, and the property must meet HUD Minimum Housing Quality Standards.
- Step 4:
Get pre-approved through an ADFA-approved lender. ADFA participating lenders can originate StartSmart and Move-Up loans with DPA, allowing you to stack state assistance on top of the city grant.
- Step 5:
Find a home within Jacksonville city limits. The HAG requires the property to be within city limits. Ensure it also meets any ADFA purchase price limits for Pulaski County.
- Step 6:
Submit your applications and close. Your lender will coordinate the ADFA DPA application with your mortgage, and the city grant is paid directly to the title company at closing.