VA loans in Little Rock.
The Pulaski County figure on this page is a county reference only, not an address-based lookup for Little Rock. Confirm the property's county before relying on it.
Pulaski County reference value. County reference, not an address-based lookup. Confirm the county of the property before using this value; city and metro boundaries can cross counties.
Source: FHFA Full County Loan Limit List for 2026 (HERA-based, final). One-unit limit; applies to mortgages acquired in calendar year 2026. Source checked 2026-09-16. · Pulaski County (FIPS 05119)
County reference, not an address-based lookup. Confirm the county of the property before using this value; city and metro boundaries can cross counties. Look the property's county up at FHFA.
What the county figure means here.
A borrower with full VA entitlement does not have a VA loan limit, subject to lender approval, ability to repay, and the appraised value or purchase price. The FHFA one-unit county conforming loan limit matters primarily when calculating remaining bonus entitlement for a borrower who does not have full entitlement, and it may affect whether a down payment is required.
Pulaski County carries a $832,750 one-unit conforming loan limit value for 2026, and that is the county figure we reference for Little Rock. County reference, not an address-based lookup. Confirm the county of the property before using this value; city and metro boundaries can cross counties. Whichever county your property is in, the value is used in remaining-entitlement calculations — including on a 2–4 unit property — and is not a cap on what a fully-entitled buyer can finance.
Planning around BAH? Rates vary by pay grade, dependency status, and ZIP-based Military Housing Area — verify yours on the official DoD BAH calculator.
This site does not publish current rates or APRs. Your rate and terms depend on your credit profile, income and assets, the property, market conditions, lock timing, points or lender credits, underwriting, and final lender approval. Request a personalized quote from Bolt Home Loans LLC.
Estimate a payment with your own rate assumptionLittle Rock floodplain rules can reach the whole structure, not just the mapped part
The City of Little Rock's Civil Engineering Division points buyers to the PAGIS Flood Zone Map Application, where you enter an address to see FEMA flood insurance rate map zones. The City explains that dark blue marks the Special Flood Hazard Area, purple marks the regulatory floodway (the most restricted, highest-velocity area), and approximate base flood elevations appear as lines across the floodplain.
Importantly, the City states that if any part of a property or house falls in the regulatory floodplain, the floodplain regulations apply to the entire structure or property. Practical step: check the full lot outline in PAGIS, not just the house footprint. If any part touches blue or purple, ask the City about permit limits before planning additions, and ask your lender whether flood insurance will be required.
Pulaski County's Amendment 79 credit is not automatic — each owner must apply
The Pulaski County Assessor's FAQ explains that the Amendment 79 homestead credit has two requirements: the property is your primary residence and you are the owner of record. It appears as a credit on the real estate tax bill, not a refund check, and applies to only one property per taxpayer.
The Assessor states that Arkansas law requires homeowners to apply, with the owner's signature, rather than applying the credit automatically. Applications must be submitted by October 15 to receive the credit for that year, and a missed credit is not granted back for years you did not apply. Once approved, you do not reapply every year. Practical step: sign and file the application after closing instead of assuming the seller's credit continues.
- FHFA — Conforming loan limit values
- City of Little Rock — Floodplain Maps
- Pulaski County Assessor — FAQ (Amendment 79 credit)
- VA — Home loan entitlement and limits
Sources checked 2026-09-24. Educational information only, not legal, tax or underwriting advice.
VA loan programs available in AR.
$0 down in Little Rock. No PMI.
Lower your rate. Minimal paperwork.
Up to 100% LTV — conventional caps at 80%.
$0 down above conforming.
Finance repairs into your purchase.
Roll energy upgrades into the loan.
Widows and widowers of AR veterans qualify.
Zero down, no PMI, and a 100% funding-fee waiver on a home in Little Rock, subject to eligibility verification and Certificate of Eligibility issuance.
Surviving spouse guideDisabled veteran? Stack the SAH grant on your Little Rock purchase.
Up to $126,526 in FY 2026 toward a VA-approved plan to acquire, construct, or adapt a suitable home. VA approves eligibility and use; the grant is separate from your VA home loan.
SAH grant guideVA loans in Little Rock — answered.
FHFA sets conforming loan limit values by county, not by city, and there is no single published figure for a city as such. The county we reference for Little Rock is Pulaski County (FIPS 05119), whose official 2026 one-unit value is $832,750 per the FHFA Full County Loan Limit List. County reference, not an address-based lookup. Confirm the county of the property before using this value; city and metro boundaries can cross counties. The figure only matters for remaining-entitlement calculations — with full entitlement there is no VA loan limit, subject to lender approval, ability to repay and appraised value.
BAH varies by pay grade, dependency status, and ZIP-based Military Housing Area, and DoD updates rates annually. Check your exact rate on the official DoD BAH calculator. Lenders may count BAH as qualifying income, subject to underwriting.
A VA-eligible borrower with full entitlement may be able to pursue a primary-residence purchase in Little Rock with no down payment and no monthly PMI. Eligibility, credit, income, the VA appraisal, and final lender approval all apply, and closing costs and prepaids are still due.
An unremarried surviving spouse of a veteran who died in service or from a service-connected disability may qualify for the full VA benefit in Little Rock — zero down, no PMI, and a 100% funding-fee waiver, subject to eligibility verification.