$0 Down Home Loans for Cabot and Northwest Arkansas

You may be closer to owning a home than you think. With a USDA home loan, eligible buyers can purchase an eligible home with $0 down. A lot of the towns around Cabot and Northwest Arkansas qualify, and many households are under the income limit without realizing it.

I'm Kayla Moore, and I help people in Arkansas figure out if USDA is the right fit, in plain words and with no pressure. Tell me a little about what you're looking for and I'll let you know what's possible.

Call Kayla (501) 548-7648

I'll reach out personally. Checking your options starts with a soft pull, which never touches your score, or general advice with no credit pull at all.

Text Kayla

Help me get started

How a USDA loan works

A USDA loan is a home loan backed by the U.S. Department of Agriculture's Rural Development program. Because USDA guarantees the loan, approved lenders can offer 100% financing to eligible buyers. That means $0 down for those who qualify.

Three things decide if it fits:

1. The home's location. The home has to be in a USDA eligible area. "Rural" is broader than it sounds. Many small towns and the edges of bigger cities qualify. It goes by the exact address, so I check every one.
2. Your household income. Your adjusted household income has to be at or under the limit for the county. For 2026, the limit is $122,800 for households of 1 to 4 people in Lonoke and Pulaski counties, and $122,900 in Washington and Benton counties. Larger households (5 to 8 people) have higher limits: $162,100 in Lonoke and Pulaski, and $162,250 in Washington and Benton. Income from every adult in the home counts toward the limit, even if they aren't on the loan.
3. You'll live there. The home has to be your primary residence.

A few other good things to know:
- USDA loans are 30-year fixed rate loans, so your principal and interest payment stays the same.
- USDA itself doesn't set a minimum credit score. Lenders look at how you've handled credit and whether the payment fits your budget, and I'll walk you through what that looks like for you.
- Homes can be existing or new construction, and in some cases closing costs can be included in the loan.

Areas people ask me about in Cabot and Northwest Arkansas

USDA eligibility goes by the exact property address, so this is a starting point, not a guarantee. Send me the address and I'll check it on USDA's map for you.

Around Cabot and Central Arkansas
- Cabot outskirts: The center of Cabot is not in a USDA area, but many homes on the outskirts of Cabot are.
- Austin
- Ward
- Beebe
- Lonoke

Northwest Arkansas
- Washington County: Prairie Grove, Lincoln, Elkins, West Fork, Goshen, Greenland, and parts of Farmington
- Benton County: Pea Ridge, Gentry, Gravette, Decatur, Garfield, and parts of Cave Springs
- Siloam Springs outskirts: The center of town isn't eligible, but many homes just outside it are.

Bigger cities like Fayetteville, Springdale, Rogers, and Bentonville aren't in USDA areas, but the smaller towns around them often are. If you have your heart set on a certain neighborhood, text me the address and I'll tell you where it stands.

Found a home you like?
Text me the address and I'll check if it's in a USDA area.

Call or text Kayla (501) 548-7648

What happens next

1. We talk. Call, text, or fill out the short form. I'll ask a few simple questions about your household, income, and the area you want to live in. You can choose a soft pull, which never touches your score, or general advice with no credit pull at all.

2. I check the details. I'll check your income against the USDA limit for your county, look up any addresses you have in mind, and show you what a payment could look like.

3. You get a clear plan. If USDA fits, we'll get you pre-approved so you can shop with confidence. If you need a little more time, my Mortgage Ready program helps people who are 6 to 12 months out get ready step by step.

Questions people ask me

Is a USDA loan really $0 down?

Yes, for eligible buyers purchasing an eligible home. USDA backs 100% financing, so a down payment isn't required for those who qualify. You'll still want to plan for things like your inspection and appraisal, and I'll go over your full numbers with you up front.

Do I have to buy a farm or live way out in the country?

No. USDA areas include many small towns and neighborhoods, not just farmland. Plenty of regular subdivisions qualify. It all comes down to the exact address.

How do I know if my income qualifies?

For 2026, the limit is $122,800 for households of 1 to 4 people in Lonoke and Pulaski counties, and $122,900 in Washington and Benton counties, with higher limits for 5 to 8 people. Certain deductions, like for children in the home, can lower your adjusted income. I'll run the numbers with you.

Will checking my options hurt my credit?

You can choose a soft pull, which never touches your score, or general advice with no credit pull at all.

What if I'm not ready yet?

That's okay. My Mortgage Ready program is built for people who are 6 to 12 months out. We'll make a simple plan so you know exactly what to work on.

Know Moore. Worry Less.

Buying a home should feel clear, not confusing. Let's talk through your options for Cabot or Northwest Arkansas and see if USDA is a fit for you.

Kayla Moore, Mortgage Advisor, NMLS #1584425 | NEXA Mortgage, LLC, NMLS #1660690 | Equal Housing Opportunity