ADFA StartSmart
ADFA StartSmart is a deferred 2nd 0% int 25-yr from Arkansas Development Finance Authority. Available statewide in Arkansas. Up to $25,000 toward a home purchase. For first-time buyers. Income limit: 80% AMI.
Up to $25,000
Listed as open as of May 2026
Available statewide in Arkansas.
| First-time buyer | Required |
|---|---|
| Income limit | 80% AMI |
| Minimum credit score | 640 |
| Maximum DTI | 50% |
| Homebuyer education | Required (HFA-approved (Framework, eHome, NeighborWorks, etc.)) |
| Occupations | Statewide AR |
| Property types | SFR, condo |
| Occupancy | Owner-occupied primary |
| Eligible loan products | FHA/USDA/Conv |
| Sales price cap | $250K |
| Repayment | 0% deferred 25-yr |
| Stacking | Pairs with ADFA first |
Cal has not re-checked this listing recently. Confirm the current terms with the program administrator before relying on them.
Provider: Arkansas Development Finance Authority · program details at the provider’s site.
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