Skip to content
Purchase Mortgage Loan
Get Pre-Approved

FHA loans in El Dorado, AR

Quick answer

The 2026 FHA loan limit in El Dorado, AR (Union County) is $541,287 for a single-family home, enough for a purchase price up to about $560,000 with 3.5% down. On the $113,100 median home value, that down payment is about $3,959 and the estimated payment is $1,012/month at 7.18%, which needs roughly $44,000 a year in income.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsData last updated

Median household income: $45,159; value-to-income ratio 2.50. El Dorado ranks 34 by home value and 27 by population among 39 places in our AR dataset.

What does an FHA loan cost on a typical El Dorado home?

ItemEl Dorado
Median home value (Census ACS)$113,100
Arkansas median home value$175,300
Down payment (3.5%)$3,959
Loan incl. 1.75% upfront MIP$111,051
Estimated monthly payment (PITI + MI)$1,012
Income needed (28% / 36%)$44,000 / $34,000
Union County 2026 FHA limit (1 unit)$541,287
Max purchase price at the limit$560,000

Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.

Payment includes Arkansas's 0.57% effective property tax rate (Census ACS), $1,870/yr homeowners insurance (NAIC state average) and 0.55% annual FHA MIP.

What is the 2026 FHA loan limit in El Dorado?

El Dorado is in Union County where HUD's 2026 one-unit FHA limit is $541,287. With the minimum 3.5% down, that caps the purchase price at about $560,000; above that you'd need a bigger down payment or a conventional loan (conforming limit $832,750).

The El Dorado median home value of $113,100 is 35% below the Arkansas median, and within what the county limit supports.

Which down payment assistance programs can El Dorado buyers use?

FHA loans in nearby cities

CamdenMagnoliaArkadelphiaTexarkanaPine BluffMalvern

FHA loan FAQs for El Dorado

El Dorado is in Union County, where HUD's 2026 FHA limit for a one-unit home is $541,287. With 3.5% down, that supports a purchase price up to about $560,000.

3.5% of $113,100 is about $3,959 with a 580+ credit score (10%, or $11,310, with a 500–579 score), plus closing costs.

At the $113,100 median value (below the Arkansas median of $175,300), the estimated payment of $1,012/month at 7.18% needs about $44,000 a year under the 28% housing guideline, or $34,000 if your total debts stay under 36%.

0 city-level, 0 county-level and 1 statewide programs are verified for this city (1 total). Check each official administrator's eligibility rules and available funds.

Sources

Data last updated October 23, 2026.

Get matched with FHA lenders in El Dorado

Answer a few quick questions and get matched with purchase mortgage lenders in your area. Free, and it won't affect your credit score.

Get My Matches

Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.