Arkansas Housing Trust Fund - Repair

Arkansas Development Finance Authority (ADFA)

Available Home Repair

About This Program

Arkansas Housing Trust Fund - Repair is available to homeowners in Fort Smith, AR.

State housing trust fund providing forgivable loans to low-income Arkansas homeowners for critical home repairs. Funds address health and safety issues to ensure housing remains safe and habitable. Loan forgiven after 5 years of owner-occupancy.

Forgivable loan up to $25,000, no repayment if you remain 5 years

Official program page checked live on 2026-06-22.

Data last verified 2026-06-09. How we verify our data.

In Fort Smith, AR, you can combine this program with other local help to cut your cost:

Key Details

  • Forgivable loan up to $25,000
  • For critical health and safety repairs
  • Income at or below 80% AMI required
  • Forgiven after 5 years of occupancy
  • Must be owner-occupied in Arkansas

How to Apply

Get free help applying Visit Official Program Page Track this program

(501) 682-5900

A grant-savvy contractor in Fort Smith, AR can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

You will likely need a contractor to apply

Projects like this almost always need a licensed contractor, and many grants ask for a written estimate as part of your application. Lining up a contractor in Fort Smith early keeps your application moving.

Get matched with a contractor

This program is usually a forgivable loan: you owe nothing if you stay in the home for the set period, but it may place a lien on the property until then.

Each program sets its own contractor rules. Check the official program page for exact requirements.

Your application paperwork

Documents you will likely need

  • Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
  • A government-issued photo ID for every owner on title.
  • Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
  • A written estimate from a licensed contractor for the work (many programs require this to apply).
  • A recent utility bill for the home (energy and weatherization programs use it to confirm service and usage).
  • Photos of the problem area or the work to be done.
  • The program's own application form, completed (use the official link or phone number on this page).
Download this checklist (PDF)

Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.

Deadline: Applications accepted quarterly

Questions about this program?

Ask us. It is free, and a real person answers within a business day.

Email us about this program

Frequently asked questions

How much can Arkansas Housing Trust Fund - Repair provide in Fort Smith, AR?

Up to $25,000 forgivable loan.

Who qualifies for Arkansas Housing Trust Fund - Repair in Fort Smith?

Arkansas Housing Trust Fund - Repair is open to homeowners in Fort Smith, AR. It prioritizes low-income households.

How do I apply for Arkansas Housing Trust Fund - Repair in Fort Smith, AR?

Apply directly with Arkansas Development Finance Authority (ADFA) using the official program link on this page or call (501) 682-5900. There is no middleman and no fee.

Need a Contractor for This Grant?

Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.

Get matched with a pro, free Browse Fort Smith, AR contractors

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This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.

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