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Get Matched Free →Homebuyer Programs in Rogers, AR (2026)
Rogers is a fast-growing city in Northwest Arkansas and part of the booming Fayetteville-Springdale-Rogers metro area, home to Walmart headquarters and a thriving economy driven by retail, logistics, and technology. The median home price is approximately $380,000, reflecting the region's strong demand. While Rogers does not currently offer a city-funded down payment assistance program, buyers here benefit from robust state and nonprofit options. Partners for Better Housing offers up to $25,000 in direct down payment assistance or up to $35,000 through its Pay-It-Forward interest-free loan program for households at or below 100% of the area median income. The ADFA Down Payment Assistance Program provides $1,000 to $15,000, and the Arkansas Dream Down Payment Initiative offers up to $10,000 as a forgivable loan. Habitat for Humanity of Northwest Arkansas also provides affordable homeownership through its zero-interest mortgage program. By stacking state and nonprofit programs, Rogers buyers can access significant assistance toward their home purchase.
Top Homebuyer Programs in Rogers
| 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 → |
| 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 Northwest Arkansas Homeownership Program | Zero-Interest Loan | Affordable home purchase with zero-interest mortgage and reduced purchase price | No | View → |
| Partners for Better Housing Fast Track to Homeownership | Forgivable Loan | Down payment and closing cost assistance (contact organization for current amounts) | Yes | 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:
- 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:
- Forgivable Loan
- Amount:
- Down payment and closing cost assistance (contact organization for current amounts)
- First-time only:
- Yes
- 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. Many programs require household income at or below 100% of the area median family income for the Fayetteville-Springdale-Rogers metro area. ADFA programs have their own income limits that vary by household size and county.
- Step 2:
Complete homebuyer education. The Northwest Regional Housing Authority offers a free HUD-approved homebuyer education course on a monthly basis. Call 870-743-6779 for upcoming class dates. Credit Counseling of Arkansas also offers pre-purchase counseling.
- Step 3:
Contact Partners for Better Housing to apply for up to $25,000 in direct down payment assistance or up to $35,000 through the Pay-It-Forward interest-free loan program. Visit partnersforbetterhousing.org or contact their office for an application.
- Step 4:
Get pre-approved for a mortgage. Work with an ADFA-approved lender to also apply for the ADFA Down Payment Assistance Program ($1,000 to $15,000) or the Arkansas Dream Down Payment Initiative (up to $10,000). Visit the ADFA website for a list of participating lenders in Benton County.
- Step 5:
Find a home within program requirements. Each program may have its own purchase price limits or property standards. Your lender and housing counselor can help you understand the specific limits that apply.
- Step 6:
Submit your applications and close on your home. Work with your lender and housing partners to coordinate the timing of multiple assistance sources to maximize your total benefit at closing.