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2025 FHA Loan Limits in Nebraska

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As in nearly all states across the country, buying a house in Nebraska has gotten more expensive. In the third quarter of 2024, Nebraska home prices were up 4% from the prior year, according to data from the Federal Housing Finance Agency (FHFA).

Federal Housing Administration (FHA) loans can make home ownership more accessible in a pricey housing market, thanks to lower down payment requirements. But there are caps on how much you can borrow. In Nebraska, the FHA loan limit ranges from $524,225 for single-family homes to $1,008,300 for four-family units. Here’s what you need to know about FHA loan limits and qualification requirements in Nebraska.

Nebraska FHA loan limits by county

Nebraska single-family FHA loan limits

County name	One unit	Two units	Three units	Four units	Median sales price
ADAMS	$524,225	$671,200	$811,275	$1,008,300	$170,000
ANTELOPE	$524,225	$671,200	$811,275	$1,008,300	$99,000
ARTHUR	$524,225	$671,200	$811,275	$1,008,300	$227,000
BANNER	$524,225	$671,200	$811,275	$1,008,300	$241,000
BLAINE	$524,225	$671,200	$811,275	$1,008,300	$108,000
BOONE	$524,225	$671,200	$811,275	$1,008,300	$130,000
BOX BUTTE	$524,225	$671,200	$811,275	$1,008,300	$223,000
BOYD	$524,225	$671,200	$811,275	$1,008,300	$45,000
BROWN	$524,225	$671,200	$811,275	$1,008,300	$100,000
BUFFALO	$524,225	$671,200	$811,275	$1,008,300	$280,000
BURT	$524,225	$671,200	$811,275	$1,008,300	$122,000
BUTLER	$524,225	$671,200	$811,275	$1,008,300	$140,000
CASS	$524,225	$671,200	$811,275	$1,008,300	$335,000
CEDAR	$524,225	$671,200	$811,275	$1,008,300	$123,000
CHASE	$524,225	$671,200	$811,275	$1,008,300	$244,000
CHERRY	$524,225	$671,200	$811,275	$1,008,300	$80,000
CHEYENNE	$524,225	$671,200	$811,275	$1,008,300	$125,000
CLAY	$524,225	$671,200	$811,275	$1,008,300	$100,000
COLFAX	$524,225	$671,200	$811,275	$1,008,300	$151,000
CUMING	$524,225	$671,200	$811,275	$1,008,300	$135,000
CUSTER	$524,225	$671,200	$811,275	$1,008,300	$91,000
DAKOTA	$524,225	$671,200	$811,275	$1,008,300	$262,000
DAWES	$524,225	$671,200	$811,275	$1,008,300	$130,000
DAWSON	$603,750	$772,900	$934,250	$1,161,050	$200,000
DEUEL	$524,225	$671,200	$811,275	$1,008,300	$83,000
DIXON	$524,225	$671,200	$811,275	$1,008,300	$262,000
DODGE	$524,225	$671,200	$811,275	$1,008,300	$198,000
DOUGLAS	$524,225	$671,200	$811,275	$1,008,300	$335,000
DUNDY	$524,225	$671,200	$811,275	$1,008,300	$122,000
FILLMORE	$524,225	$671,200	$811,275	$1,008,300	$267,000
FRANKLIN	$524,225	$671,200	$811,275	$1,008,300	$132,000
FRONTIER	$524,225	$671,200	$811,275	$1,008,300	$65,000
FURNAS	$524,225	$671,200	$811,275	$1,008,300	$118,000
GAGE	$524,225	$671,200	$811,275	$1,008,300	$145,000
GARDEN	$524,225	$671,200	$811,275	$1,008,300	$55,000
GARFIELD	$524,225	$671,200	$811,275	$1,008,300	$112,000
GOSPER	$603,750	$772,900	$934,250	$1,161,050	$200,000
GRANT	$524,225	$671,200	$811,275	$1,008,300	$131,000
GREELEY	$524,225	$671,200	$811,275	$1,008,300	$74,000
HALL	$524,225	$671,200	$811,275	$1,008,300	$215,000
HAMILTON	$524,225	$671,200	$811,275	$1,008,300	$202,000
HARLAN	$524,225	$671,200	$811,275	$1,008,300	$95,000
HAYES	$524,225	$671,200	$811,275	$1,008,300	$145,000
HITCHCOCK	$524,225	$671,200	$811,275	$1,008,300	$118,000
HOLT	$524,225	$671,200	$811,275	$1,008,300	$95,000
HOOKER	$524,225	$671,200	$811,275	$1,008,300	$99,000
HOWARD	$524,225	$671,200	$811,275	$1,008,300	$215,000
JEFFERSON	$524,225	$671,200	$811,275	$1,008,300	$61,000
JOHNSON	$524,225	$671,200	$811,275	$1,008,300	$162,000
KEARNEY	$524,225	$671,200	$811,275	$1,008,300	$280,000
KEITH	$524,225	$671,200	$811,275	$1,008,300	$150,000
KEYA PAHA	$524,225	$671,200	$811,275	$1,008,300	$8,000
KIMBALL	$524,225	$671,200	$811,275	$1,008,300	$269,000
KNOX	$524,225	$671,200	$811,275	$1,008,300	$75,000
LANCASTER	$524,225	$671,200	$811,275	$1,008,300	$272,000
LINCOLN	$524,225	$671,200	$811,275	$1,008,300	$155,000
LOGAN	$524,225	$671,200	$811,275	$1,008,300	$155,000
LOUP	$524,225	$671,200	$811,275	$1,008,300	$146,000
MADISON	$524,225	$671,200	$811,275	$1,008,300	$208,000
MCPHERSON	$524,225	$671,200	$811,275	$1,008,300	$155,000
MERRICK	$524,225	$671,200	$811,275	$1,008,300	$215,000
MORRILL	$524,225	$671,200	$811,275	$1,008,300	$149,000
NANCE	$524,225	$671,200	$811,275	$1,008,300	$96,000
NEMAHA	$524,225	$671,200	$811,275	$1,008,300	$80,000
NUCKOLLS	$524,225	$671,200	$811,275	$1,008,300	$122,000
OTOE	$524,225	$671,200	$811,275	$1,008,300	$175,000
PAWNEE	$524,225	$671,200	$811,275	$1,008,300	$39,000
PERKINS	$524,225	$671,200	$811,275	$1,008,300	$112,000
PHELPS	$524,225	$671,200	$811,275	$1,008,300	$175,000
PIERCE	$524,225	$671,200	$811,275	$1,008,300	$208,000
PLATTE	$524,225	$671,200	$811,275	$1,008,300	$240,000
POLK	$524,225	$671,200	$811,275	$1,008,300	$145,000
RED WILLOW	$524,225	$671,200	$811,275	$1,008,300	$140,000
RICHARDSON	$524,225	$671,200	$811,275	$1,008,300	$124,000
ROCK	$524,225	$671,200	$811,275	$1,008,300	$121,000
SALINE	$524,225	$671,200	$811,275	$1,008,300	$175,000
SARPY	$524,225	$671,200	$811,275	$1,008,300	$335,000
SAUNDERS	$524,225	$671,200	$811,275	$1,008,300	$335,000
SCOTTS BLUFF	$524,225	$671,200	$811,275	$1,008,300	$241,000
SEWARD	$524,225	$671,200	$811,275	$1,008,300	$272,000
SHERIDAN	$524,225	$671,200	$811,275	$1,008,300	$56,000
SHERMAN	$524,225	$671,200	$811,275	$1,008,300	$83,000
SIOUX	$524,225	$671,200	$811,275	$1,008,300	$241,000
STANTON	$524,225	$671,200	$811,275	$1,008,300	$208,000
THAYER	$524,225	$671,200	$811,275	$1,008,300	$106,000
THOMAS	$524,225	$671,200	$811,275	$1,008,300	$177,000
THURSTON	$524,225	$671,200	$811,275	$1,008,300	$171,000
VALLEY	$524,225	$671,200	$811,275	$1,008,300	$174,000
WASHINGTON	$524,225	$671,200	$811,275	$1,008,300	$335,000
WAYNE	$524,225	$671,200	$811,275	$1,008,300	$195,000
WEBSTER	$524,225	$671,200	$811,275	$1,008,300	$69,000
WHEELER	$524,225	$671,200	$811,275	$1,008,300	$127,000
YORK	$524,225	$671,200	$811,275	$1,008,300	$156,000

How are FHA loan limits determined?

FHA loan limits are based on two factors:

Conventional loan limits: The FHFA updates conforming loan limits every year. The FHFA bases its loan limits on national home price changes.
Metropolitan statistical area (MSA) sales data: The FHFA also considers local sales in its calculations to take housing trends in specific areas into account.

Based on conventional loan limits and MSA data, the FHA establishes a mortgage “floor” and a “ceiling.” The floor is the maximum amount of money you can borrow to purchase a home in most counties, and it’s set at 65% of the conforming loan limit. For FHA loans, the ceiling is the maximum amount you can borrow to purchase a property in a designated “high-cost” area.

In Nebraska, most counties are subject to the national “floor” limit of $524,225 for single-family homes. Only two counties — Dawson and Gosper — have higher limits of $603,750.

How to qualify for an FHA loan in Nebraska

Potential homebuyers can qualify for an FHA loan if they meet the following requirements:

Minimum credit score of 500 or 580: While conventional mortgages usually require at least a 620 credit score, FHA loans have less stringent requirements. You can qualify for an FHA loan with a credit score as low as 500. However, if you want to make the smallest down payment possible (3.5%), you’ll need at least a 580 credit score.
Maximum 43% debt-to-income (DTI) ratio: The DTI ratio is the proportion of your monthly income that goes toward recurring debt payments. The maximum allowable DTI for FHA loans is 43%, though some borrowers can qualify with a DTI above that if they meet other requirements, like high credit scores or significant cash reserves.
Minimum 3.5% down payment: If your credit score is 580 or higher, you can qualify for an FHA loan with a minimum down payment of 3.5% of the purchase price. A credit score of 500 to 579 requires a down payment of at least 10%.
Mortgage insurance: With FHA loans, you must pay mortgage insurance. You’ll pay an upfront premium as well as a monthly charge; the upfront premium is 1.75% of the base loan amount.
Property: You can only use FHA loans to purchase an owner-occupied primary residence, and the home has to meet property appraisal and condition standards established by the U.S. Department of Housing and Urban Development (HUD). If the home needs repairs to meet those standards, the seller has to complete the repairs prior to closing.

Buying a multifamily property with an FHA loan

FHA loans are only for the purchase of owner-occupied, primary residences, not investment properties or vacation homes. However, there is a workaround for those interested in house hacking: You can purchase a multifamily home and use an FHA loan to pay for it as long as you intend to live in one of the units.

The criteria for FHA loans for multifamily units are the same as single-family homes:

You must have a credit score of 500 or higher (580 or higher if you want to put down just 3.5%).
You must have a DTI of 43% or lower.
You must pay mortgage insurance.
The property must meet HUD property standards.