See programs you qualify for
Get Matched Free →By Tyler Thompson · Licensed Real Estate Agent · Updated April 8, 2026
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.
City 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 → |
- Type:
- Grant
- Amount:
- Up to $3,000 (50% of out-of-pocket closing costs)
- First-time only:
- No
State Programs in Arkansas
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| 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:
- 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
Federal Programs
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| 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 → |
| 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 → |
- 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:
- 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
Nonprofit Programs
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| 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 → |
- 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
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.
Frequently Asked Questions
How much down payment assistance can I get in Jacksonville?+−
Do I have to be a first-time homebuyer to qualify?+−
What does the Jacksonville Homebuyers Assistance Grant cover?+−
What is the maximum home price I can pay?+−
What homebuyer education is required?+−
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