Informational only. 30YearMortgageRates.com is not a lender. Rates shown are national/regional averages sourced from Freddie Mac PMMS. Actual terms vary by borrower, lender, and market conditions. Full disclosures.
Little Rock, Arkansas: Mortgage Information
This page collects verified, sourced information for people buying a home in Little Rock and Pulaski County. It is published by 30YearMortgageRates.com, an independent publisher of mortgage-market information. We are not a lender, broker or originator, and nothing here is a quote or an offer to lend.
Expert Answer · Data-Verified
How do I get a 30-year fixed mortgage in Little Rock, AR?
Mortgage rates are set by individual lenders and vary by borrower, loan type and day. This page does not publish a measured average rate for Little Rock, AR. For a sourced national benchmark and its observation date, see today's rates. Freddie Mac's Primary Mortgage Market Survey reports a national average only, not city or state figures.
Borrowers in Little Rock, AR can choose among conventional 30-year fixed, FHA, VA, USDA, and jumbo loans. For 2026, HUD's FHA one-unit loan limit is $541,287 in most counties and up to $1,249,125 in high-cost areas; the limit that applies depends on the county, so check HUD's lookup for Arkansas. FHA financing can require as little as 3.5% down with a credit score of 580 or higher, subject to lender and program rules. VA loans offer zero down payment for eligible veterans and active-duty service members. Jumbo loans apply above the conforming and FHA limits and generally require credit scores above 700 and 10–20% down.
To secure the best available rate in Little Rock, AR, compare APRs (not just rates) from at least three AR-licensed lenders within a 14-day window so credit inquiries score as a single event. Credit scores of 740 or higher typically receive the lowest rates; scores below 680 pay 0.25%–0.75% more. Your state housing finance agency may offer down payment assistance (for example, Arkansas Development Finance Authority Move-Up First Time Homebuyer); repayment terms, eligibility and income limits vary by program, so confirm them with the agency. Rate locks in Arkansas typically run 30–60 days from pre-approval to closing.
Sources: HUD 2026 FHA loan limits; Freddie Mac PMMS (national benchmark only).
Nothing on this page is a lender offer or a rate quote. 30YearMortgageRates.com is not a lender. Actual terms vary by borrower qualifications, lender, and market conditions.
Rates: what we can and cannot say
We do not publish a Little Rock-specific mortgage rate, because no public source we use measures one. The national benchmark is Freddie Mac’s Primary Mortgage Market Survey (PMMS), which reported a 30-year fixed average of 7.03% for the week of September 24, 2026. PMMS is a national weekly average, not a Little Rock or Arkansas figure, and it is not an offer. Your own rate depends on your credit, down payment, loan type, points and the lender you choose. Compare written Loan Estimates from more than one lender.
Arkansas down payment assistance (ADFA)
The Arkansas Development Finance Authority (ADFA) offers down payment assistance with its StartSmart and Move-Up first-mortgage programs. According to ADFA, the assistance is a repayable second mortgage with a 10-year term, in amounts of $1,000 to $15,000. It is not a grant and is not forgiven. Eligibility, income and price limits, and current terms are set by ADFA; confirm them at adfa.arkansas.gov.
FHA loan limits
HUD’s 2026 FHA one-unit loan limits run from a national floor of $541,287 to a ceiling of $1,249,125 in the highest-cost areas, effective January 1, 2026. Limits are set by county; look up the current Pulaski County figure with HUD’s limit lookup.
Tools
Use our mortgage calculator to estimate principal and interest for any price, down payment and rate you enter. Results are estimates only. See also the Arkansas page and our methodology.
Informational only. Not legal, tax or financial advice. Figures are cited to their sources above; corrections: corrections policy.