Estimated owner-finance down payment by city in Arkansas.
Down payments scale with home prices but flex by financing type. This ranks Arkansas cities by an estimated typical down payment on an owner-financed or low-down deal (12% of estimated median home value). This is a modeled directional comparison, not a survey of actual closings.
Last updated
Arkansas ranking
50 cities ranked. Click any row for the matching local page.
| # | City | Est. typical down payment | Score | |
|---|---|---|---|---|
| 1 | Camden | $14,400 | 93 | View → |
| 2 | Forrest City | $14,400 | 93 | View → |
| 3 | Hope | $14,400 | 93 | View → |
| 4 | Monticello | $14,400 | 93 | View → |
| 5 | Newport | $14,000 | 93 | View → |
| 6 | Dardanelle | $14,400 | 93 | View → |
| 7 | De Queen | $14,400 | 93 | View → |
| 8 | Trumann | $14,200 | 93 | View → |
| 9 | Mountain View | $14,300 | 93 | View → |
| 10 | Warren | $14,600 | 93 | View → |
| 11 | West Helena | $13,900 | 93 | View → |
| 12 | Malvern | $15,500 | 92 | View → |
| 13 | Clarksville | $14,900 | 92 | View → |
| 14 | Arkadelphia | $15,100 | 92 | View → |
| 15 | Mena | $14,900 | 92 | View → |
| 16 | Wynne | $15,600 | 92 | View → |
| 17 | Pocahontas | $15,200 | 92 | View → |
| 18 | Crossett | $15,400 | 92 | View → |
| 19 | Morrilton | $15,100 | 92 | View → |
| 20 | Berryville | $14,900 | 92 | View → |
| 21 | Ozark | $15,100 | 92 | View → |
| 22 | Nashville | $15,200 | 92 | View → |
| 23 | Ashdown | $15,100 | 92 | View → |
| 24 | Huntsville | $15,000 | 92 | View → |
| 25 | Booneville | $15,500 | 92 | View → |
| 26 | Osceola | $14,900 | 92 | View → |
| 27 | Star City | $15,600 | 92 | View → |
| 28 | Waldron | $14,800 | 92 | View → |
| 29 | Pine Bluff | $16,100 | 91 | View → |
| 30 | West Memphis | $16,000 | 91 | View → |
| 31 | Batesville | $16,200 | 91 | View → |
| 32 | Blytheville | $15,700 | 91 | View → |
| 33 | Magnolia | $15,800 | 91 | View → |
| 34 | Heber Springs | $16,400 | 91 | View → |
| 35 | Eureka Springs | $16,300 | 91 | View → |
| 36 | Dover | $16,000 | 91 | View → |
| 37 | North Little Rock | $17,000 | 90 | View → |
| 38 | Texarkana | $17,400 | 90 | View → |
| 39 | Paragould | $16,600 | 90 | View → |
| 40 | Van Buren | $17,200 | 90 | View → |
| 41 | Mountain Home | $17,000 | 90 | View → |
| 42 | Siloam Springs | $17,400 | 90 | View → |
| 43 | Alma | $17,400 | 90 | View → |
| 44 | Mabelvale | $16,900 | 90 | View → |
| 45 | Stuttgart | $17,400 | 90 | View → |
| 46 | Ward | $17,200 | 90 | View → |
| 47 | Judsonia | $17,000 | 90 | View → |
| 48 | Hot Springs National Park | $18,000 | 89 | View → |
| 49 | Russellville | $17,800 | 89 | View → |
| 50 | Jacksonville | $18,100 | 89 | View → |
Methodology
Estimated down = 12% of estimated median home value (representative of owner-financed and low-down deals). Conventional loans typically require 20%; FHA can be 3.5%. Use as a directional comparison.
FAQ
- Why does down payment vary across Arkansas?
- Home prices vary widely; a 12% down payment scales with the local median. Owner financing often accepts less.
- Is 12% realistic?
- Yes, owner-finance deals commonly land in the 10-20% range. Conventional underwriting usually wants 20% to avoid PMI.
- Can I find lower-down options?
- Browse low-down-payment homes by city, many owner-finance and lease-option deals sit under 10%.
Other reports for Arkansas
Best Cities for Owner Financing
Cheapest Rent-to-Own Markets
Cities With Most FSBO Activity
Investor Competition by Market
Cities With Most Cash Buyers
Foreclosure Risk by City
Most Affordable Cities for Buyers
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